Overview
RCN Capital (based in South Windsor, CT, hard money) and ROC Capital (based in New York, NY, hard money) are both non-QM lenders serving real estate investors. RCN Capital serves National; ROC Capital serves National.
RCN Capital's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
RCN Capital vs ROC Capital: attribute by attribute
| Attribute | RCN Capital | ROC Capital |
|---|---|---|
| Interest rate range | 9.5%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 660 | Not publicly published |
| Minimum DSCR | 1.00 | Not publicly published |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $100K | $75K |
| Maximum loan size | $3.5M | $5.0M |
| States covered | 44 states | Not publicly published |
| Entity vesting | LLC required | Not publicly published |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Founded | 2010 | 2014 |
| Headquarters | South Windsor, CT | New York, NY |
Which one fits which borrower
- RCN Capital publishes a minimum DSCR of 1.00; ROC Capital does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- RCN Capital publishes a minimum credit score of 660; ROC Capital does not publish one.
- ROC Capital's minimum loan size is $75K, below RCN Capital's $100K floor — ROC Capital is the fit for a smaller deal that would fall under RCN Capital's minimum.
- ROC Capital's maximum loan size is $5.0M, above RCN Capital's $3.5M ceiling — a larger transaction may need to go to ROC Capital.
- RCN Capital publishes coverage in 44 states; ROC Capital does not publish a state count. That does not mean ROC Capital covers fewer states, only that the figure is not published.
- RCN Capital requires LLC vesting; ROC Capital does not publish a position on 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 ROC Capital (founded 2014) — longer time in the market, not a claim about which underwrites better today.
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- ROC Capital full profile and review
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RCN Capital vs ROC Capital FAQ
RCN Capital's published rate range is 9.5%–12%. ROC 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.
RCN Capital publishes a minimum credit score of 660. ROC Capital does not publish a minimum credit score.
RCN Capital's minimum DSCR is 1.00. ROC Capital does not publish a minimum DSCR.
RCN Capital's loan size runs $100K to $3.5M. ROC Capital's loan size runs $75K to $5.0M.
RCN Capital's typical close time is 10-21 days typical. ROC Capital's typical close time is 10-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
RCN Capital requires LLC vesting. ROC Capital does not publish a position on LLC vesting.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with RCN Capital or ROC 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.