Overview
New Silver (based in West Hartford, CT, hard money) and RCN Capital (based in South Windsor, CT, hard money) are both non-QM lenders serving real estate investors. New Silver 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.
New Silver vs RCN Capital: attribute by attribute
| Attribute | New Silver | RCN Capital |
|---|---|---|
| Interest rate range | 9.5%–11.75% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 660 | 660 |
| Minimum DSCR | 0.75 | 1.00 |
| Max LTV | 85% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $100K | $100K |
| Maximum loan size | $3.0M | $3.5M |
| States covered | 39 states | 44 states |
| Entity vesting | Not publicly published | LLC required |
| Typical close time | 5-14 days typical | 10-21 days typical |
| Founded | 2018 | 2010 |
| Headquarters | West Hartford, CT | South Windsor, CT |
Which one fits which borrower
- New Silver's minimum DSCR is 0.75, below RCN Capital's 1.00 floor — New Silver will consider a property that cash-flows more thinly than RCN Capital's minimum allows.
- New Silver's max LTV is 85% against RCN Capital's 80% — on the same purchase price, New Silver's published leverage lets a borrower put down less cash.
- RCN Capital's maximum loan size is $3.5M, above New Silver's $3.0M ceiling — a larger transaction may need to go to RCN Capital.
- RCN Capital publishes coverage in 44 states versus New Silver's 39 — confirm your specific state with either lender, since licensing changes.
- New Silver 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, 8 years before New Silver (founded 2018) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- New Silver full profile and review
- RCN Capital full profile and review
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New Silver vs RCN Capital FAQ
New Silver's published rate range is 9.5%–11.75%. 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.
New Silver publishes a minimum credit score of 660. RCN Capital publishes a minimum credit score of 660.
New Silver's minimum DSCR is 0.75. RCN Capital's minimum DSCR is 1.00.
New Silver's loan size runs $100K to $3.0M. RCN Capital's loan size runs $100K to $3.5M.
New Silver's typical close time is 5-14 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.
New Silver 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 New Silver 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.