Published terms, read October 24, 2026

Lima One Capital vs RCN Capital: published loan terms side by side

Both cap flips at 75% of ARV. Lima One reaches 95% of cost once you have one exit in 36 months; RCN reaches 95% of price on a light rehab with 5+ flips in 3 years, and 100% with 10+ (plus other conditions). Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Lima One Capital

Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.

RCN Capital

Investor lender offering fix-and-flip, bridge, rental, construction, portfolio and 5+ unit loans, with published tiers by experience and credit score.

The differences that change a deal

RCN lends on a first flip (at 70% of price and 60% of ARV); Lima One requires a prior exit.
Both publish a 1.00x DSCR floor and a 660 minimum score on rentals. RCN lowers LTV below a 700 score; Lima One publishes 80% on purchases with no credit tiers, and gives its highest LTV to properties at 1.20x or better.
Lima One accepts foreign nationals; RCN does not publish a foreign national policy.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	RCN Capital
Loan amount	$85,000 to $2,500,000	$70,000 to $1,500,000
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV (75% cash-out)
Min FICO	660	660
Min DSCR	1.00x	1.00x
Experience	Not required	Not published
Property types	Single family, 2-9 units, warrantable condos	1-4 units, condos, townhomes, PUDs

Fix and flip loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	RCN Capital
Loan amount	$100,000 to $5,000,000	$75,000 to $2,000,000
Purchase	Up to 95% LTC	Up to 95% of price (100% for the top tier)
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	660	650
Experience	One exit in the last 36 months	Not required; tiers by flips in the last 3 years
Term	13, 19 or 24 months	12 to 18 months

Ground-up construction loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	RCN Capital
Loan amount	$100,000 to $5,000,000	$100,000 to $2,000,000
Max LTC	Up to 90% LTC	Up to 90% LTC (experienced tier)
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	Not published	650
Experience	Required: ground-up (on title or as GC) or fix-and-flip	Not required; tiers by projects built
Term	19 or 24 months	12 to 24 months

RCN Capital also publishes rental portfolio (blanket) loans; Lima One Capital does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Lima One Capital	46 states and Washington, DC. The excluded states are not listed on the pages read. [src]	LLC or similar entity required for business-purpose rental loans. [src]	Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][src]
RCN Capital	Most states. Not available in Alaska, Nevada, Utah, North Dakota, South Dakota or Vermont. [src]	Loans are made to a business entity. [src]	Not published

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 24, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Lima One Capital	$85,000 to $2,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not required	[1][2]
RCN Capital	$70,000 to $1,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not published	[1][2]

Fix and flip loans. Lender figures read October 24, 2026.
Lender	Loan amount	Purchase	Rehab	Max ARV	Min FICO	Experience	Term	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$50,000 to $3,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	Quoted per loan	None required	12 months; 18 months case by case	terms
Lima One Capital	$100,000 to $5,000,000	Up to 95% LTC	Up to 100%	Up to 75% of ARV	660	One exit in the last 36 months	13, 19 or 24 months	[1][2]
RCN Capital	$75,000 to $2,000,000	Up to 95% of price (100% for the top tier)	Up to 100%	Up to 75% of ARV	650	Not required; tiers by flips in the last 3 years	12 to 18 months	[1][2]

Compare with your deal

Sources

Lima One: rental loans. Read October 24, 2026.
Lima One: rental loan detail. Read October 24, 2026.
Lima One: fix and flip loans. Read October 24, 2026.
Lima One: fix and flip detail. Read October 24, 2026.
Lima One: new construction loans. Read October 24, 2026.
Lima One: new construction detail. Read October 24, 2026.
Lima One: rental portfolio loans. Read October 24, 2026.
RCN Capital: loan programs. Read October 24, 2026.
RCN Capital: FAQs. Read October 24, 2026.