RT CPU is "Real Time CPU". It's the amount of CPU required in order to maintain real time audio. Thus, anything over 100% means audio drop outs. If your CPU can't do what is required within a specific time then it doesn't matter how much CPU is used.
Sounds like you are both using too small an audio buffer and/or are running at too high a sample rate. Best to post all the relevant info, like what audio interface and what settings you are using. People on this forum are great and will help given the info.
PS - Reaper is one of the most efficient DAWs out there... but don't take my word for it - search on Google.
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