Overview
LendingOne (based in Boca Raton, FL, hard money) and RCN Capital (based in South Windsor, CT, hard money) are both non-QM lenders serving real estate investors. LendingOne 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.
LendingOne vs RCN Capital: attribute by attribute
| Attribute | LendingOne | RCN Capital |
|---|---|---|
| Interest rate range | 9%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 640 | 660 |
| Minimum DSCR | 0.75 | 1.00 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $85K | $100K |
| Maximum loan size | $2.0M | $3.5M |
| States covered | Not publicly published | 44 states |
| Entity vesting | Not publicly published | LLC required |
| Typical close time | 14-21 days typical | 10-21 days typical |
| Founded | 2014 | 2010 |
| Headquarters | Boca Raton, FL | South Windsor, CT |
Which one fits which borrower
- LendingOne's minimum DSCR is 0.75, below RCN Capital's 1.00 floor — LendingOne will consider a property that cash-flows more thinly than RCN Capital's minimum allows.
- LendingOne's minimum credit score is 640, lower than RCN Capital's 660 minimum — a borrower who clears LendingOne's credit box may not yet clear RCN Capital's.
- LendingOne's minimum loan size is $85K, below RCN Capital's $100K floor — LendingOne 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 LendingOne's $2.0M ceiling — a larger transaction may need to go to RCN Capital.
- RCN Capital publishes coverage in 44 states; LendingOne does not publish a state count. That does not mean LendingOne covers fewer states, only that the figure is not published.
- LendingOne does not publish a position on LLC vesting; RCN Capital requires LLC vesting. That is a real structural difference for a borrower deciding how to hold title.
- RCN Capital was founded in 2010, 4 years before LendingOne (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- LendingOne full profile and review
- RCN Capital full profile and review
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LendingOne vs RCN Capital FAQ
LendingOne's published rate range is 9%–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.
LendingOne publishes a minimum credit score of 640. RCN Capital publishes a minimum credit score of 660.
LendingOne's minimum DSCR is 0.75. RCN Capital's minimum DSCR is 1.00.
LendingOne's loan size runs $85K to $2.0M. RCN Capital's loan size runs $100K to $3.5M.
LendingOne's typical close time is 14-21 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.
LendingOne does not publish a position on LLC vesting. RCN Capital requires LLC vesting.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with LendingOne 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.