PIR

Defy Mortgage vs RCN Capital

Rates as of June 17, 2026

Estimated DSCR loan rates compared across 24 borrower scenarios. On lowest estimated rate, RCN Capital wins more scenarios (24 of 24).

Illustrative sample data. These figures show how the comparison works — they are notlive lender pricing. Real DSCR rate sheets are broker-gated; we publish live rates only once a lender’s sheet is verified. This page is not indexed by search engines until then.

Defy Mortgage

0 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
660
Full Defy Mortgage profile →

RCN Capital

24 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
660
Full RCN Capital profile →

Rate by scenario, side by side

ScenarioDefy MortgageRCN CapitalLower
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR7.275%7.025%RCN Capital
Purchase · 80% LTV · 720 FICO · 1.10 DSCR · SFR8.025%7.775%RCN Capital
Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR7.025%6.775%RCN Capital
Purchase · 75% LTV · 700 FICO · 1.00 DSCR · Condo8.275%8.150%RCN Capital
Purchase · 65% LTV · 780 FICO · 1.50 DSCR · SFR6.900%6.650%RCN Capital
Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit7.900%7.650%RCN Capital
Purchase · 70% LTV · 740 FICO · 1.25 DSCR · SFR · No Prepay8.025%7.650%RCN Capital
Purchase · 80% LTV · 680 FICO · 1.00 DSCR · SFR8.900%8.650%RCN Capital
Rate/Term Refi · 75% LTV · 760 FICO · 1.35 DSCR · SFR7.400%7.150%RCN Capital
Purchase · 75% LTV · 720 FICO · 0.75 DSCR · SFR (Low Coverage)8.400%8.150%RCN Capital
Purchase · 70% LTV · 700 FICO · 1.15 DSCR · 2-4 Unit8.025%7.775%RCN Capital
Cash-Out · 70% LTV · 740 FICO · 1.25 DSCR · Condo7.275%7.150%RCN Capital
Purchase · 60% LTV · 780 FICO · 1.40 DSCR · SFR · Jumbo7.150%6.900%RCN Capital
Purchase · 75% LTV · 660 FICO · 1.10 DSCR · SFR8.775%8.525%RCN Capital
Purchase · 80% LTV · 760 FICO · 1.20 DSCR · SFR · Small Balance8.400%8.150%RCN Capital
Cash-Out · 65% LTV · 720 FICO · 1.30 DSCR · SFR7.275%7.025%RCN Capital
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · Condo · 3yr Prepay7.650%7.525%RCN Capital
Rate/Term Refi · 70% LTV · 700 FICO · 1.20 DSCR · SFR7.775%7.525%RCN Capital
Purchase · 80% LTV · 740 FICO · 1.10 DSCR · 2-4 Unit8.025%7.775%RCN Capital
Purchase · 70% LTV · 760 FICO · 1.25 DSCR · SFR · $1M+7.275%7.025%RCN Capital
Cash-Out · 75% LTV · 680 FICO · 1.05 DSCR · SFR8.525%8.275%RCN Capital
Purchase · 65% LTV · 740 FICO · 1.35 DSCR · Condo7.275%7.150%RCN Capital
Purchase · 75% LTV · 720 FICO · 1.20 DSCR · SFR · 3yr Prepay7.900%7.650%RCN Capital
Purchase · 80% LTV · 700 FICO · 1.00 DSCR · Condo8.650%8.525%RCN Capital

Estimated, not a quote. Rates are computed from a base index plus illustrative lender adjustment grids and are not offers. Actual terms depend on the lender, property, and your full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.

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