# 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.

Canonical: https://riversidepark.capital/brokers-submit-commercial-dscr-deals
Markdown: https://riversidepark.capital/brokers-submit-commercial-dscr-deals.md

## Quick answer

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.

## 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.

**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.

**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.

## Loan parameters

- Loan size: $100,000 to $15,000,000
- Loan type: Commercial Purchase & Rate-and-Term Refinance

## Eligible assets

- Multifamily
- Office
- Retail
- Industrial
- Mixed-use
- Self-storage
- Cold storage
- Hotels
- Motels
- Data centers

## 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.

## 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.

## FAQs

**Q: Do I need an account to introduce a scenario?**

The public Partners form accepts a high-level referral. For the account workflow, use Broker Sign Up or Broker Login and follow the broker portal instructions.

**Q: What should I avoid putting in the public referral form?**

Do not include borrower SSNs or sensitive documents. Start with the deal summary and let the team provide the correct document workflow.

**Q: Does sending a scenario produce an issued term sheet?**

It starts the review. Preliminary fit and terms remain subject to the deal review, and the credit-report fee is collected later. Confirm fee arrangements with the team.

## Related

- [Commercial Purchase & Rate-and-Term Refinance](https://riversidepark.capital/commercial-real-estate-loans)
- [Apply for financing](https://riversidepark.capital/apply)
- [Submit a deal as a broker](https://riversidepark.capital/partners)
- [Broker login](https://riversidepark.capital/login/broker)
- [Residential DSCR program](https://riversidepark.capital/dscr-loans)

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Source: Riverside Park Capital - https://riversidepark.capital/brokers-submit-commercial-dscr-deals