RCN Capital Review 2026: Fix & Flip, Rental, Multifamily and New Construction Loans
By Greg Wilson, commercial loan broker and publisher of Lender Tribune · Last verified November 3, 2026
About RCN Capital
RCN Capital lends on non-owner-occupied residential and commercial property for purchases, refinances, renovations and bridge funding. It serves investors, contractors, developers and small business owners.
RCN runs retail and wholesale lending with a broker referral program and correspondent lending. It lists licenses in Arizona, California, Minnesota and Oregon and notes that programs may not be available in every state.
RCN Capital loan programs at a glance
| Program | Loan size | Leverage / requirements | Term | Pricing and notes |
|---|---|---|---|---|
| Fix and flip | $75K–$2M (lead notes) | Up to 100% of purchase and rehab, capped at 75% ARV (lead notes) | Short-term | Confirm in current guidelines |
| Long-term rental (DSCR) | Contact RCN | Up to 80% LTV (lead notes) | 30-year | Confirm in current guidelines |
| Multifamily (5+ units) | Contact RCN | Short and long-term options | Varies | |
| New construction | Contact RCN | Short-term ground-up financing | Short-term |
Programs, offices and licensing from rcncapital.com, checked November 3, 2026. Figures marked “lead notes” come from Lender Tribune’s 2024 lead list and are not verified; RCN’s Current Guidelines page has the live terms.
Who RCN Capital fits best
- Investors who want one lender for flips, rentals and small multifamily
- Brokers who want a wholesale or correspondent channel
- Borrowers in markets outside the coasts, since RCN lends nationwide
What to check before you apply
- Terms are not on the homepage. Review RCN’s current guidelines before quoting.
- Non-owner-occupied only.
- State availability varies.
Send one loan request and we will match your deal with lenders in the Lender Tribune directory that fit it.
Create a Loan Request
Frequently asked questions
When was RCN Capital founded?
RCN Capital was established in 2010.
Does RCN Capital work with brokers?
Yes. RCN offers retail and wholesale lending, a broker referral program and correspondent lending.
Does RCN Capital lend on owner-occupied homes?
No. RCN lends on non-owner-occupied residential and commercial property.
Sources
- RCN Capital homepage (checked November 3, 2026)
- Lender program materials on file with Lender Tribune, as dated in the table note above
