RCN Capital is one of the most competitive hard money lenders in the country, consistently offering the lowest rates among institutional lenders. With rates starting at 8.75% and availability in 45+ states, RCN Capital is our top pick for investors who qualify for their program.
⭐ BridgeRate Pro Best Rate Pick
RCN Capital at a Glance
- Rate from: 8.75%
- Max LTV: 85%
- Max ARV: 70%
- Min credit score: 620
- Close time: As fast as 7 days
- Loan term: 12–18 months
- States: 45+ states
- Min loan: $50,000
★★★★★ BridgeRate Pro Rating: 4.8/5
About RCN Capital
RCN Capital is a national direct lender founded in 2010 and headquartered in South Windsor, Connecticut. They specialize in short-term fix-and-flip loans, long-term rental loans, and new construction financing. With over $5 billion in loans funded, RCN is one of the most established names in the hard money lending space.
Why RCN Capital Has the Best Rates
RCN Capital’s rates start at 8.75% — consistently among the lowest for institutional hard money lenders. They achieve this through high loan volume, an efficient underwriting process, and a large broker network that keeps their deal flow steady. Their broker program is particularly well-regarded, paying competitive referral fees to mortgage professionals.
RCN Capital Pros and Cons
Pros
- Lowest rates in the market from 8.75%
- Available in 45+ states — widest coverage
- Strong broker/affiliate program
- Lower minimum credit score (620)
- Fast 7-day close for qualified borrowers
- Flexible on experience requirements
Cons
- Best rates require strong experience
- Max LTV slightly lower than Kiavi (85% vs 90%)
- Less tech-forward than Kiavi
- Some states have higher rate floors
BridgeRate Pro Verdict
RCN Capital is our #1 pick for overall value. The combination of the lowest market rates, widest state coverage, and a strong broker program makes RCN Capital the go-to lender for investors who qualify. If you have a 620+ credit score and a solid deal, start here.