LendingOne vs. RCN Capital
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | LendingOne Verified 17 Sep 2026 | RCN Capital Verified 17 Sep 2026 |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Boca Raton, FL | South Windsor, CT |
| Founded | 2014 | 2010 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $85,000–$2,000,000 | $100,000–$3,500,000 |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Min credit score | 640 | 660 |
| Min DSCR | 0.75 | 1.00 |
| Terms | 12-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical | 10-21 days typical |
| Rate range | 9%–12% | 9.5%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
LendingOne sets its DSCR floor at 0.75; RCN Capital wants 1.00. A property that clears the lower bar but not the higher one is exactly what this difference decides.
Credit floors differ: LendingOne starts at 640, RCN Capital at 660. That gap only matters to a borrower sitting between the two numbers.
Loan sizing runs $85,000–$2,000,000 at LendingOne and $100,000–$3,500,000 at RCN Capital — a gap that mostly matters at either end of the range.
LendingOne quotes a 14-21 days typical close; RCN Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.
LendingOne
An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score
RCN Capital
An LLC-titled investor with a 660+ credit score and a fully-qualifying 1.00 DSCR, financing a larger or multi-property rental deal across RCN's 44-state footprint