Question 1

What is Riverside Park Capital?

Accepted Answer

Riverside Park Capital is a private credit and structured real estate finance platform headquartered in New York City. We originate and structure commercial real estate debt as our primary program, with secondary programs for DSCR, fix and flip, and ground up suburban infill development financing.

Question 2

How much real estate financing has Riverside Park Capital supported?

Accepted Answer

Since 2015, Riverside Park Capital has supported more than $4 billion in real estate financing transactions across commercial and residential investor assets in the U.S.

Question 3

Who does Riverside Park Capital work with?

Accepted Answer

We provide financing to experienced real estate sponsors, developers, and residential investment property owners. Commercial real estate programs are available for both owner occupied and investor owned commercial assets. Residential investor programs are for non owner occupied investment properties only.

Question 4

What states does Riverside Park Capital lend in?

Accepted Answer

Partner programs cover commercial real estate financing in 48 states and SFR / DSCR rental financing in 43 states, subject to lender-specific licensing, property, and program rules. See riversidepark.capital/lending-states for the full list.

Question 5

How do sponsors submit a transaction?

Accepted Answer

Submit a loan request through this site or contact the originations team at originations@riversidepark.capital or 212 419 1157. Each request is reviewed promptly with preliminary terms typically issued within one business day.

Question 6

What commercial property types does Riverside Park Capital finance?

Accepted Answer

We finance multifamily, office, retail, industrial, mixed-use, self-storage, cold storage, hotels, motels and data centers, all subject to underwriting and all on a business-purpose basis. Not financed: gas stations, car washes, mobile home parks and religious facilities.

Question 7

What loan amounts are available for commercial real estate?

Accepted Answer

Program-specific loan limits apply. Loans start at $100,000. Commercial purchase and rate-and-term refinance loans go up to $15 million; commercial cash-out refinance, DSCR, fix and flip and ground-up construction loans go up to $5 million. Final terms follow underwriting.

Question 8

What are the typical terms on commercial permanent financing?

Accepted Answer

Terms run up to 30 years on occupied, income producing commercial property, first lien only: up to 75% LTV, a minimum DSCR of 1.15x and a minimum FICO of 680. Purchase and rate-and-term refinance loans go up to $15,000,000; cash-out refinance up to $5,000,000.

Question 9

What is commercial permanent financing?

Accepted Answer

Commercial permanent financing supports stabilized, income producing commercial assets with long term debt sized to property cash flow, leverage, and sponsor strength.

Question 10

What residential investor programs are available?

Accepted Answer

DSCR rental financing, fix and flip, and ground up construction financing for non owner occupied 1 to 4 unit residential investment properties. Loans start at $100,000. Commercial purchase and rate-and-term refinance loans go up to $15 million; commercial cash-out refinance, DSCR, fix and flip and ground-up construction loans go up to $5 million. Final terms follow underwriting.

Question 11

What is a DSCR loan?

Accepted Answer

A DSCR loan is underwritten to property cash flow rather than borrower personal income. The Debt Service Coverage Ratio compares property net operating income to debt service. Programs are structured for non owner occupied investment properties only.

Question 12

What property types qualify for residential investor financing?

Accepted Answer

Eligible properties include single family homes, 2 to 4 unit residential properties, condos, townhomes, and PUDs. All properties must be non owner occupied investment real estate.

Question 13

Does Riverside Park Capital finance ground up suburban infill development?

Accepted Answer

Yes. We finance ground up suburban infill development of single family homes, build to rent communities, and small subdivision projects. Capital is released against verified construction milestones.

Question 14

How quickly can Riverside Park Capital execute on a transaction?

Accepted Answer

Commercial real estate loans can close in as little as 30 days, subject to underwriting, diligence, appraisal and title. Qualified SBA transactions can close in as little as 45 days. Residential investor timelines (DSCR, fix and flip, construction) are confirmed per deal, subject to underwriting, valuation, title and borrower documentation.

Question 15

Does Riverside Park Capital provide consumer mortgages?

Accepted Answer

No. Riverside Park Capital does not provide owner occupied consumer residential mortgage loans or any product regulated as a consumer mortgage. Commercial real estate programs are available for owner occupied and investor owned commercial assets as business purpose loans. Residential investor programs are for non owner occupied investment properties only.

Question 16

What documentation is required to receive preliminary terms?

Accepted Answer

To issue preliminary terms we typically require the property address, asset type, requested loan amount, purchase price or current value, business plan, and desired closing timeline.

Question 17

Does Riverside Park Capital work with mortgage brokers?

Accepted Answer

Yes. We work with established mortgage brokers and capital advisors. A dedicated broker portal is available for managing client transactions.

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