RCN Capital for Idaho investors
RCN Capital is a national non-QM lender with capacity for larger transactions and strong experience on multi-unit and small commercial deals. Minimum DSCR is 1.00 at 680+ credit score or 1.15 at 660-679; excludes Alaska, North Dakota, South Dakota, Vermont, Nevada, and Utah. Closes in as few as 10 business days.
Idaho context
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active.
How RCN Capital positions in Idaho
Within Idaho, RCN Capital competes alongside other DSCR lenders. RCN Capital strengths: high loan limits, established track record. The medium aggregate DSCR economics of Idaho create demand for RCN Capital programs in Boise and Idaho Falls particularly.
City-level coverage in Idaho
RCN Capital provides DSCR coverage across Idaho metros including Boise, Idaho Falls, and Coeur d'Alene. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. RCN Capital program terms apply uniformly across Idaho metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $100K - $3.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Idaho property tax | 0.7% |
| Idaho state income tax | 5.8% |
RCN Capital strengths in Idaho
- high loan limits
- established track record
- multi-family capacity
Ideal borrower: Investor with larger deals and multi-property exposure
FAQ
Yes, operates nationally including Idaho. RCN Capital is based in South Windsor, CT and operates nationally.
Boise is the top investor market in Idaho and falls within RCN Capital national coverage. Boise property tax follows the Idaho state rate of 0.7 percent. RCN Capital typically underwrites Boise acquisitions at standard rate sheets.
Yes. Idaho Falls ranks among the larger Idaho investor metros and sees consistent DSCR loan volume from RCN Capital. Submarket variation within Idaho Falls matters for property selection.
RCN Capital applies the same rate sheet across Idaho metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boise, Idaho Falls, and Coeur d'Alene all qualify for the same RCN Capital program.
RCN Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active. RCN Capital follows standard business-purpose loan structures.
RCN Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Idaho.
Idaho allows standard DSCR prepay structures; RCN Capital typically uses 3-5 year step down.
RCN Capital typical close: 10-21 days typical.
Bottom line
Idaho investors considering RCN Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with RCN Capital.