Updated
Investors searching RCN Capital vs Jaken Finance Group are comparing national portfolio bridge scale with focus-market underwriting depth — not asking which brand is universally better.
RCN Capital is a separate company with its own programs. This page is factual and educational — not disparagement. Verify current term sheets before you model a pro forma.
Related: RCN Capital alternatives · Compare hub · Best hard money lenders 2026
Methodology & disclosures
- How we compare: Published lender marketing and Jaken Finance Group program parameters as of 2026. Not live rate scraping. Not endorsements.
- Not financial advice.
RCN Capital vs Jaken Finance Group — side-by-side (2026)
| Factor | RCN Capital | Jaken Finance Group |
|---|---|---|
| Positioning | Multi-state portfolio bridge + rental | Focus-market bridge + DSCR |
| Geography | National multi-state | IL, IN, NC, GA, FL, SC, DC/DMV depth |
| Products | Fix-and-flip, bridge, rental portfolio | Hard money, fix-and-flip, DSCR, bridge |
| Close speed (typical) | Varies by file; portfolio queue | 7–10 business days on qualified HM files |
| Leverage | Experience-score tiers | Up to 100% of cost on qualified fix-and-flip files, capped at 75% of after-repair value. Bridge purchase up to 90% |
| Strength | Simultaneous projects, scale | Local comp, insurance, permit fluency |
| Best for | Multi-state repeat sponsors | One metro, complex asset, BRRRR exit |
When RCN Capital may fit better
Portfolio-scale simultaneous bridge — You run multiple acquisitions across states and want experience-based leverage grids under one national relationship.
Market-agnostic SFR pipeline — Straightforward single-family light rehab without local multifamily quirks.
Rental portfolio continuity at national scale — Bridge and rental products under an established portfolio brand.
See: RCN Capital alternatives for other national options.
When Jaken Finance Group may fit better
Chicago two-flat or collar county BRRRR — RLTO, tax reassessment, and collar vs city NOI are documented on Illinois hubs and Chicago fix and flip.
Florida coastal insurance — Wind and flood tiers swing DSCR by parcel. See Florida DSCR insurance impact and metro spokes.
DMV row homes — TOPA, DOB, and HP review timelines differ from suburban flip math.
Bridge-to-DSCR on one relationship — Acquisition bridge and hold refi in the same focus market without switching capital sources mid-deal.
Case studies: Greenville Nicholtown BRRRR · Park Circle flip · Petworth DC rowhome
Worked scenario — same sponsor, two files
File A: Three simultaneous Atlanta SFR cosmetic flips, sponsor with 12 documented exits — national grid and portal continuity may favor RCN-style portfolio lenders.
File B: Charlotte duplex BRRRR with $68K rehab, duplex rent comps, and DSCR refi at month 8 — focus-market comp packet and insurance modeling may favor Jaken Finance Group.
Run both through fix and flip calculator and compare cash in, not rate alone.
Experience tiers — what both lenders ask
| Question | Why it matters |
|---|---|
| Documented closed deals? | Sets LTC/LTV tier |
| Simultaneous loans allowed? | Portfolio capacity |
| Urban multifamily allowed? | Chicago/DC complexity |
| DSCR refi on same relationship? | BRRRR continuity |
If your bottleneck is experience tier, RCN may still fit. If your bottleneck is local economics, compare focus-state lender comparison.
Portfolio vs focus-market decision matrix
| Your pipeline looks like… | Lean RCN Capital | Lean Jaken Finance Group |
|---|---|---|
| 4+ simultaneous SFR flips in 3+ states | ✓ | Maybe — if files are template SFR |
| First Chicago two-flat BRRRR | Maybe | ✓ |
| Tampa duplex with coastal insurance | Maybe | ✓ |
| Atlanta intown with sewer scope | Maybe | ✓ |
| Repeat sponsor with 20+ documented exits | ✓ | ✓ — compare quotes |
Sophisticated operators maintain both relationship types — national for volume SFR, focus-market for complex metro files.
Pre-application checklist (both lenders)
- Experience track record — closed deals in last 24 months
- Simultaneous loan count — portfolio capacity
- LTC at your tier — purchase + rehab hold included?
- Draw inspection vendor and typical lag between milestones
- Extension fee and minimum interest — if DOM slips 60+ days
- DSCR refi allowed on same relationship? Seasoning rules?
- Urban multifamily / two-flat — restricted or tier-discounted?
Bring entity docs, three sold comps, and line-item scope at pre-qual — see choose the right hard money lender.
Price the speed against a 30-year mortgage
Bridge money is not supposed to match a homeowner rate. Freddie Mac’s weekly survey put the average 30-year fixed rate at 7.28% as of October 1, 2026. The prior week was 7.03%. A year earlier the 30-year average was 6.34%. The 15-year average was 6.60% on that October 1 reading, up from 6.42% the week before and from 5.55% a year earlier. Cite the Primary Mortgage Market Survey.
Jaken Finance Group prices fix-and-flip, bridge, and hard money at 8.99%–13.5% interest-only. The gap versus 7.28% is the cost of a close in 7–10 business days and of leverage that looks at cost and after-repair value. A DSCR rental loan is a different product, at 5.75%–10.5%, and it closes in about 14 business days. Do not drop the DSCR clock into a flip comparison. RCN Capital’s live sheet is not reprinted here. Ask them for the current grid before you model their rate as a fact.
Illustration: cost cap versus after-repair value
Example only. This is not a Jaken Finance Group quote and not an RCN Capital quote.
| Line | Amount |
|---|---|
| Purchase | $240,000 |
| Rehab | $60,000 |
| All-in cost | $300,000 |
| After-repair value in the plan | $400,000 |
| 100% of cost | $300,000 |
| 75% of that after-repair value | $300,000 |
| Loan if both caps tie | $300,000 |
Interest-only carry at 10.5%, which sits inside 8.99%–13.5%, for eight months is $300,000 times 0.105 times 8/12. That is $21,000. Two points on $300,000 are $6,000. Points plus interest in this sketch are $27,000, before taxes, insurance, and utilities.
Now cut the after-repair value to $360,000. Seventy-five percent of $360,000 is $270,000. That is $30,000 below the $300,000 cost. The sponsor brings the extra $30,000 in cash. The rate did not change. The value cap did. This is the test that matters when a national grid and a local comp packet disagree. Run the same purchase, rehab, and sale price through the fix and flip calculator before you argue about a logo.
If the exit is a rental refinance instead of a sale, cash-out DSCR leverage is up to 80% for a qualified borrower. Eighty percent of a $400,000 value is $320,000. That can retire the $300,000 bridge in this sketch and return $20,000 before costs. The DSCR rate would be somewhere in 5.75%–10.5%, and the close would be about 14 business days after the file is complete. Seasoning and lease rules still apply. Do not treat the $320,000 figure as an approval.
A worksheet that ignores the brand
Score each term sheet on the same seven lines. Leave the lender name off until the math is done.
| Line | Why it changes the bid |
|---|---|
| Loan amount | Lower of the cost cap and the value cap |
| Interest rate | Interest-only on the funded balance |
| Points | Charged on the loan, not on the purchase alone |
| Inspection lag | Days between your draw request and the wire |
| Extension | Fee and extra months if the resale slips |
| Minimum interest | Months you pay even if you sell early |
| Exit | Sale, or a DSCR refinance on a known clock |
A lender with a lower rate and a 21-day inspection lag can cost more than a higher rate that funds in a week. Simultaneous projects make that lag worse. If you already have three draws stacked, ask both desks how many inspections they will schedule in one week. Jaken Finance Group’s focus is IL, IN, NC, GA, FL, SC, and DC/DMV, with lending in all 50 states on qualified investment property. A national portfolio lender can still be the better desk when the assets are plain single-family houses in several states at once.
What “experience” has to look like on paper
Both desks will ask for closed deals. A list of addresses in an email is a start. It is not a file. For each exit in the last twenty-four months, have a settlement statement or a closing disclosure, the purchase price, the rehab spent, and the sale price. If a partner was on title, say who owns the new entity. Lenders do not enjoy discovering a 50% member the day before the wire.
Count simultaneous loans the way the lender will. Three houses under contract are three loans even if none has closed. If your liquidity covers one down payment and you are bidding on four, the experience tier will not save the file. Jaken Finance Group still underwrites the property and the exit on each address. A national portfolio lender may like the repeat-sponsor grid more. Either way, the cash has to be real.
Ask one accrual question on every term sheet. Does interest run on the full commitment, or only on the amount drawn? The illustrations on this page use a funded balance. If a lender charges interest on undrawn rehab for six months, add that cost before you call their rate lower. Jaken Finance Group quotes the accrual on the term sheet. Confirm Renovo’s current method on theirs. Do not assume the two match.
New supply and the resale
The buyer of your finished flip is living in a slower completion market. Census and HUD reported privately owned housing completions at a seasonally adjusted annual rate of 1,128,000 in August 2026. The September 17, 2026 release said that was 27.1% below the August 2025 rate of 1,548,000, with a margin of ±8.9 percentage points. Building permits were 1,394,000, which the release said was 3.5% above the August 2025 rate of 1,347,000 and 2.7% below the revised July rate of 1,433,000. Single-family permits were 878,000. Full text: Monthly New Residential Construction, August 2026.
Fewer completions do not guarantee your resale. They do mean you should not underwrite a 30-day listing as a promise. Put the extension fee in the model before you choose RCN Capital or Jaken Finance Group. Call (833) 264-7776 with the address, the scope, and the contract date if you want a Jaken Finance Group number on that worksheet.