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Commercial Real Estate Loans

Riverside Park Capital provides commercial real estate loans up to $5,000,000 for the purchase and rate-and-term refinance of occupied commercial property: up to 75% LTV, a minimum DSCR of 1.15x and a minimum FICO of 680. Cash-out refinance loans go up to $5,000,000. Closing in as little as 30 days, subject to underwriting.

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Key loan facts

Loan amount
$100,000 to $5,000,000 for purchase and rate-and-term refinance; cash-out refinance up to $5,000,000
Loan type
Commercial Real Estate
Eligible properties
Multifamily (5+ units), Mixed-use, Retail, Office, Industrial and warehouse, Self-storage, Cold storage, Hotels and motels, Data centers
Term
$100,000 to $5,000,000 for purchase and rate-and-term refinance
Maximum Leverage
75%
Minimum DSCR
1.15x
Minimum FICO
680

Commercial purchase and rate-and-term refinance: up to $5 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing. Not eligible: owner-occupied residential. Limits vary by program, property and deal, and we confirm them for each deal.

Commercial Real Estate

Commercial lending starts with the asset and its cash flow

Commercial real estate financing is generally sized around the property's income, value, occupancy, business plan, and the sponsor's experience. Riverside Park Capital reviews occupied, income-producing commercial property within each program's limits.

Where it fits
This page is most relevant for multifamily, office, retail, industrial, mixed-use, self-storage, cold storage, hotels, motels and data centers, all subject to underwriting, not owner-occupied homes.
Illustrative example
A sponsor refinancing a stabilized apartment building may be evaluated on NOI, DSCR, occupancy, leverage, property condition, and the requested exit structure.
Initial fit check
Start with property type, current occupancy, in-place NOI, requested loan amount, and whether the transaction is an acquisition or refinance.

Have those basics ready? Submit the transaction for an originations review.

Commercial Real Estate

Program Details

Eligible Asset Types

  • Multifamily (5+ units)
  • Mixed-use
  • Retail
  • Office
  • Industrial and warehouse
  • Self-storage
  • Cold storage
  • Hotels and motels
  • Data centers

Underwriting Guidelines

  • Loan size: $100,000 to $5,000,000 for purchase and rate-and-term refinance
  • Cash-out refinance: up to $5,000,000
  • Maximum LTV: 75%
  • Minimum DSCR: 1.15x
  • Minimum FICO: 680
  • Occupied commercial real estate only
  • Closing in as little as 30 days, subject to underwriting
  • Borrower type: investors, sponsors, owner-operators (commercial use)
  • All property types are subject to underwriting.

Who This Is For

  • Experienced commercial real estate investors
  • Sponsors acquiring or refinancing income-producing properties
  • Developers seeking permanent debt on completed CRE assets
  • Owner-operators on eligible commercial properties

Who This Is Not For

  • Owner-occupied residential homebuyers
  • Single-family primary residences
  • Properties requiring significant pre-stabilization
  • Not financed: gas stations, car washes, mobile home parks and religious facilities

Frequently Asked Questions

Related Programs

Ready to start a loan request?

Commercial real estate and investor property loans. Commercial purchase and rate-and-term refinance: up to $5 million. Commercial cash-out: up to $5 million. Residential DSCR: up to $5 million. Fix & flip: up to $5 million. Construction: up to $5 million. SBA loan limits are separate from total project financing.
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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.