Overview
Lima One Capital (based in Greenville, SC, hard money) and RCN Capital (based in South Windsor, CT, hard money) are both non-QM lenders serving real estate investors. Lima One Capital 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.
Lima One Capital vs RCN Capital: attribute by attribute
| Attribute | Lima One Capital | RCN Capital |
|---|---|---|
| Interest rate range | 7%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | Not publicly published | 660 |
| Minimum DSCR | 1.00 | 1.00 |
| Max LTV | 80% | 80% |
| Max LTC | 92% | 90% |
| Minimum loan size | $75K | $100K |
| Maximum loan size | $2.5M | $3.5M |
| States covered | 46 states | 44 states |
| Entity vesting | Not publicly published | LLC required |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Founded | 2010 | 2010 |
| Headquarters | Greenville, SC | South Windsor, CT |
Which one fits which borrower
- RCN Capital publishes a minimum credit score of 660; Lima One Capital does not publish one.
- Lima One Capital's max LTC is 92% against RCN Capital's 90% — for a rehab-heavy deal, Lima One Capital's published figure covers a larger share of total project cost.
- Lima One Capital's minimum loan size is $75K, below RCN Capital's $100K floor — Lima One Capital 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 Lima One Capital's $2.5M ceiling — a larger transaction may need to go to RCN Capital.
- Lima One Capital publishes coverage in 46 states versus RCN Capital's 44 — confirm your specific state with either lender, since licensing changes.
- Lima One Capital 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.
Full profiles
- Lima One Capital full profile and review
- RCN Capital full profile and review
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Lima One Capital vs RCN Capital FAQ
Lima One Capital's published rate range is 7%–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.
Lima One Capital does not publish a minimum credit score. RCN Capital publishes a minimum credit score of 660.
Lima One Capital's minimum DSCR is 1.00. RCN Capital's minimum DSCR is 1.00.
Lima One Capital's loan size runs $75K to $2.5M. RCN Capital's loan size runs $100K to $3.5M.
Lima One Capital'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.
Lima One Capital 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 Lima One Capital 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.