How Much Equity Can You Take Out of a Commercial Property?
Estimate commercial cash-out by taking the lower of $5 million or 75% of underwritten value, then subtracting the payoff and closing costs. Income and underwriting may reduce the loan further.
Key loan facts
- Loan Amount
- $100,000 to $5,000,000
- Eligible properties
- Multifamily, Office, Retail, Industrial, Mixed-use, Self-storage, Cold storage, Hotels, Motels, Data centers
- Maximum Leverage
- 75%; Unlimited cash-out proceeds within the $5 million loan limit and 75% LTV
- Minimum FICO
- 680
- Minimum DSCR
- 1.15x
How do the loan cap, leverage and payoff interact?
RPC permits unlimited cash-out proceeds within a $5 million loan limit and 75% LTV. That wording does not mean unlimited borrowing. Calculate the new loan ceiling first, check that the property's income supports it, and then subtract existing debt, fees and any required reserves to estimate what remains.
Where it fits
Ask for an up-to-date payoff rather than using the principal balance from an old statement. Payoff interest, prepayment charges and closing costs affect the amount returned. The worked examples below assume sufficient income and omit costs so the effect of each ceiling is visible.
Illustrative example
Illustrative: a $4,000,000 property supports a value-based ceiling of $3,000,000. After a $2,000,000 payoff, $1,000,000 remains before costs and reserves.
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.
Apply with your property and financing request, or submit a deal as a broker through Partners.
Eligible Asset Types
- Multifamily
- Office
- Retail
- Industrial
- Mixed-use
- Self-storage
- Cold storage
- Hotels
- Motels
- Data centers
How do two illustrative cash-out calculations compare?
As of 2026-10-08| Underwritten value | 75% of value | Loan ceiling | Assumed payoff | Proceeds before costs |
|---|---|---|---|---|
| $4,000,000 | $3,000,000 | $3,000,000 | $2,000,000 | $1,000,000 |
| $10,000,000 | $7,500,000 | $5,000,000 | $3,000,000 | $2,000,000 |
- • Illustrative calculations, not closed deals or commitments. Sufficient DSCR is assumed; fees, reserves and other conditions can reduce proceeds.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/commercial-cash-out-equity-calculator. 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: $5 million
- Maximum LTV: 75%
- Minimum FICO: 680
- Minimum DSCR: 1.15x
- Unlimited cash-out proceeds within the $5 million loan limit and 75% LTV
- 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.
Who This Is For
- Owners of occupied commercial assets estimating usable equity
- Brokers checking a requested cash-out amount against the mortgage cap
Who This Is Not For
- Vacant commercial properties
- Requests that exceed the cash-out loan or leverage limit
- Residential rental cash-out, which has separate DSCR terms
Frequently Asked Questions
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