How Is Commercial Financing Up to 75% LTV Sized?
Commercial LTV is the loan divided by the property's underwritten value. RPC's ceiling is 75% for occupied commercial purchases, rate-and-term refinances and cash-out, but loan-size and DSCR limits can reduce the amount.
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%
- Minimum FICO
- 680
- Minimum DSCR
- 1.15x
Why can the loan be smaller than value times maximum LTV?
Three separate tests matter: collateral value, program loan size and the payment the property can support. Start with the value accepted in underwriting, not an asking price or informal estimate. The leverage ceiling is one boundary; it does not override a lower loan-size ceiling or insufficient net operating income.
Where it fits
Purchase equity must cover the gap between the permitted loan and acquisition cost, plus costs and any required reserves. On a refinance, proceeds must also cover the existing payoff. Cash-out is the residual after debt and transaction costs, rather than the entire new mortgage.
Illustrative example
Illustrative: at an underwritten value of $4,000,000, 75% LTV equals $3,000,000. That is a value-based ceiling before the 1.15x DSCR test and other conditions.
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
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/commercial-real-estate-financing-75-ltv. 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.
Who This Is For
- Buyers planning the equity needed for an occupied purchase
- Owners comparing refinance capacity with their current payoff
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
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