RCN Capital
RCN Capital Review 2026
RRE REVIEW –
4/5
USER REVIEWS –
RCN Capital Overview
What is RCN Capital?
RCN Capital is a nationwide private direct lender that originates short-term fix-and-flip loans, long-term DSCR rental loans, ground-up construction financing, and bridge loans for residential real estate investors. The company operates as RCN Capital, LLC (originally known as Rehab Cash Now) under NMLS Company ID 1045656 and serves both retail borrowers and wholesale partners including mortgage brokers and correspondent lenders. RCN Capital was named the #1 DSCR Lender of 2025 in Scotsman Guide’s Top Private Lenders Rankings with over $1 billion in 2025 DSCR volume, and has originated more than $8.2 billion across 37,000 business-purpose loans since inception.
RCN Capital Products & Services
RCN Capital offers a comprehensive suite of investment property loans for both retail borrowers and wholesale broker partners across the residential real estate investor lifecycle. The DSCR rental loan program supports long-term hold strategies with bridge-to-perm pathways that transition fix-and-flip projects directly into 30-year rental financing on the same platform. Loan programs include short-term fix-and-flip, ground-up construction, multifamily for 5 unit apartments, and long-term DSCR rental loans. RCN Capital takes a common-sense approach to underwriting with all approvals made in-house and can close in as few as 10 business days. The wholesale channel includes a Broker Referral Program and a Correspondent Lending Program.
RCN Capital Features
| Feature | Details |
|---|---|
| #1 DSCR Lender Of 2025 | Named #1 DSCR Lender in Scotsman Guide’s 2025 Top Private Lenders Rankings with $1 billion in DSCR volume. |
| $8.2 Billion In Originations | Over $8.2 billion originated and 37,000 business-purpose loans funded since 2010 inception. |
| Wholesale Broker Programs | Dedicated Broker Referral Program and Correspondent Lending Program with protected brokers and broker training platform. |
| 10-Day Closing Capability | In-house underwriting and approvals enable closings in as few as 10 business days on time-sensitive deals. |
| Proprietary Loan Origination System | Acquired BLN Software in February 2025 to power loan origination and management for retail and wholesale channels. |
RCN Capital Reviews
RCN Capital Review by RentalRealEstate
4/5
Cost – 4
Ease-of-Use – 4
Customer Service – 4
Tools and Resources – 4
RCN Capital is a top-tier nationwide private lender that competes effectively against larger institutional players through a focused multi-product approach and a wholesale-first distribution strategy. What stands out most is the #1 DSCR Lender of 2025 ranking from Scotsman Guide, with over $1 billion in DSCR volume in 2025 alone and $8.2 billion in cumulative originations since 2010. The February 2025 acquisition of BLN Software brought a proprietary loan origination platform in-house, supporting both retail and wholesale channels. Industry recognition is consistent: four consecutive Inc. 5000 listings from 2021 through 2024. The tradeoff is no lending in six states including Nevada and Utah.
Pros:
- #1 DSCR Lender of 2025 by Scotsman Guide
- $8.2 billion in originations since 2010
- 10-day closing capability with in-house underwriting
Cons:
- Not lending in six states including Nevada and Utah
- Primarily wholesale-focused, not retail-direct
- Smaller team than Kiavi or Lima One Capital
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RCN Capital User Reviews
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RCN Capital Alternatives
RCN Capital FAQ
Is RCN Capital Legitimate?
Yes, RCN Capital is a legitimate nationwide private direct lender founded in 2010 by Don Vaccaro and Jeffrey Tesch, headquartered in South Windsor, Connecticut. Operating as RCN Capital, LLC under NMLS Company ID 1045656, the company has originated over $8.2 billion across 37,000 business-purpose loans.
Who Owns RCN Capital?
RCN Capital is a privately held nationwide direct lender owned by its founders and management. The company was founded in 2010 by Don Vaccaro and Jeffrey Tesch, with Tesch serving as CEO since 2019 when Vaccaro stepped down. Hartford Business Journal reports RCN Capital closed a $28.5 million capital raise in April 2025.
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