These are underwriting minimums, not a pre-approval. See the full RCN Capital profile or compare requirements across the full lender directory.
RCN Capital qualification minimums
| Minimum credit score | 660 |
|---|---|
| Minimum DSCR | 1.00 |
| Maximum LTV | 80% |
| Maximum LTC | 90% |
| Minimum loan size | $100K |
| Maximum loan size | $3.5M |
| Entity vesting | LLC required |
| States covered | 44 |
What these minimums mean for a borrower
A minimum credit score is a floor, not a pricing tier — clearing 660 makes a file eligible for review, but the best pricing generally goes to borrowers well above the floor.
DSCR (debt service coverage ratio) compares the property's rent to its projected mortgage payment. A minimum DSCR of 1.00 means rent must cover 100% of the payment — the property must fully cover its own debt service.
Maximum LTV of 80% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
Because RCN Capital requires entity vesting, borrowers need an LLC (or similar entity) formed and ready before closing — this is typically what makes the loan a business-purpose loan rather than a consumer mortgage.
What RCN Capital doesn't publish
- Origination channel — not publicly published.
RCN Capital Requirements FAQ
RCN Capital's published minimum credit score is 660. This is a floor, not a guarantee of approval or of the best pricing.
RCN Capital's published minimum DSCR is 1.00, meaning rent must cover the full projected mortgage payment.
RCN Capital's published maximum LTV is 80%, with a maximum LTC of 90%.
Yes. RCN Capital requires the loan to close in an LLC or other business entity.
RCN Capital is licensed in 44 states.
RCN Capital does not publish its origination channel on the record used for this listing. Loan sizes run from $100K to $3.5M.
This review is an independent directory listing. DSCR Loan Program is not affiliated with RCN Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.