How Can a Broker Submit Commercial and DSCR Deals to RPC?
Brokers can send a high-level scenario through RPC's Partners page or use their broker account to create a New Loan Request. Choose the financing purpose and property type first so commercial and residential DSCR guidelines stay separate.
Key loan facts
- Loan Amount
- $100,000 to $15,000,000
- Eligible properties
- Multifamily, Office, Retail, Industrial, Mixed-use, Self-storage, Cold storage, Hotels, Motels, Data centers
- Maximum Leverage
- 75%; 80%
- Minimum FICO
- 680; 680
- Minimum DSCR
- 1.15x; 1.10x
What belongs in the initial scenario, and what comes later?
Use the Partners form for an introduction: your contact details, the property, financing need, estimated amount and timing. Keep borrower SSNs and sensitive documents out of that public form. An existing broker can sign in, select New Loan Request and follow the account's submission workflow; applicants receive the relevant portal checklist as the deal progresses.
Where it fits
The Partners program keeps the referring broker connected through the handoff. Discuss the broker fee with the team for the specific deal; this guide does not publish a commission schedule or imply that every referral earns a fee. The broker portal shows the broker's deals and their workflow status.
Illustrative example
Illustrative: an occupied office purchase is reviewed under the commercial 75% LTV ceiling. A residential rental purchase is reviewed under the DSCR 80% purchase LTV ceiling and 1.10x DSCR minimum. State the actual scenario rather than choosing the larger commercial limit for a rental.
Initial fit check
Occupied commercial real estate, minimum FICO 680, minimum DSCR 1.15x, and no more than 75% LTV. Value, income, title and documents must support the request.
Submit a deal through Partners, or sign in to your broker account and create a New Loan Request.
Eligible Asset Types
- Multifamily
- Office
- Retail
- Industrial
- Mixed-use
- Self-storage
- Cold storage
- Hotels
- Motels
- Data centers
Which program facts apply to this request?
As of 2026-10-08| Fact | Public guideline |
|---|---|
| Loan amount | $100,000 to $15,000,000 |
| Program condition | Maximum loan amount: $15 million |
| Program condition | Maximum LTV: 75% |
| Program condition | Minimum FICO: 680 |
| Program condition | Minimum DSCR: 1.15x |
| Program condition | Occupied commercial real estate only |
| Program condition | Closing in as little as 30 days |
| Program condition | Commercial financing is available in 48 states. Washington, DC is unavailable. Check the property's state before proceeding. |
| Program condition | All property types are subject to underwriting. |
- • These are public guidelines, not a loan commitment. Final terms depend on underwriting.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/brokers-submit-commercial-dscr-deals. Data may be cited or embedded with attribution.
Methodology
- Public lending guidelines reviewed 2026-10-08. Program limits are ceilings, not a commitment to lend. Examples labelled illustrative are calculations, not closed transactions.
Underwriting Guidelines
- Maximum loan amount: $15 million
- Maximum LTV: 75%
- Minimum FICO: 680
- Minimum DSCR: 1.15x
- Occupied commercial real estate only
- Closing in as little as 30 days
- Commercial financing is available in 48 states. Washington, DC is unavailable. Check the property's state before proceeding.
- All property types are subject to underwriting.
- Maximum loan amount: $5 million
- Maximum purchase LTV: 80%
- Minimum FICO: 680
- Minimum DSCR: 1.10x
- Non-owner-occupied residential investment properties only
- Cash-out refinance leverage is confirmed per deal
- Residential DSCR financing is available in 43 states. Washington, DC is unavailable. A portfolio's properties must each be in an eligible state.
Who This Is For
- Mortgage brokers introducing a new property scenario
- Existing RPC brokers preparing a loan request for a client
Who This Is Not For
- Vacant commercial properties under this occupied-property program
- Consumer home mortgages
- Unrestricted cash-out above the commercial cash-out loan limit
Frequently Asked Questions
Request Financing
Tell us about the property. We send preliminary terms, which are an estimate and not an approval.
Request Financing View Program GuidelinesSubject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.
Ready to start a loan request?
Commercial real estate and investor property loans. $100,000 to $15,000,000
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.