Overview
Civic Financial Services (based in Redondo Beach, CA, hard money) and RCN Capital (based in South Windsor, CT, hard money) are both non-QM lenders serving real estate investors. Civic Financial Services serves National; RCN Capital serves National.
Figures for both lenders below were checked against their published materials as of 2026-09-17. Rates and terms change and are not a quote for either lender.
Civic Financial Services vs RCN Capital: attribute by attribute
| Attribute | Civic Financial Services | RCN Capital |
|---|---|---|
| Interest rate range | 9.5%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 660 | 660 |
| Minimum DSCR | 1.05 | 1.00 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $75K | $100K |
| Maximum loan size | $2.0M | $3.5M |
| States covered | Not publicly published | 44 states |
| Entity vesting | LLC required | LLC required |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Founded | 2014 | 2010 |
| Headquarters | Redondo Beach, CA | South Windsor, CT |
Which one fits which borrower
- RCN Capital's minimum DSCR is 1.00, below Civic Financial Services's 1.05 floor — RCN Capital will consider a property that cash-flows more thinly than Civic Financial Services's minimum allows.
- Civic Financial Services's minimum loan size is $75K, below RCN Capital's $100K floor — Civic Financial Services is the fit for a smaller deal that would fall under RCN Capital's minimum.
- RCN Capital's maximum loan size is $3.5M, above Civic Financial Services's $2.0M ceiling — a larger transaction may need to go to RCN Capital.
- RCN Capital publishes coverage in 44 states; Civic Financial Services does not publish a state count. That does not mean Civic Financial Services covers fewer states, only that the figure is not published.
- RCN Capital was founded in 2010, 4 years before Civic Financial Services (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- Civic Financial Services full profile and review
- RCN Capital full profile and review
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Civic Financial Services vs RCN Capital FAQ
Civic Financial Services's published rate range is 9.5%–12%. RCN Capital's published rate range is 9.5%–12%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Civic Financial Services publishes a minimum credit score of 660. RCN Capital publishes a minimum credit score of 660.
Civic Financial Services's minimum DSCR is 1.05. RCN Capital's minimum DSCR is 1.00.
Civic Financial Services's loan size runs $75K to $2.0M. RCN Capital's loan size runs $100K to $3.5M.
Civic Financial Services's typical close time is 10-21 days typical. RCN Capital's typical close time is 10-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Civic Financial Services requires LLC vesting. RCN Capital requires LLC vesting.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Civic Financial Services or RCN Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.