Which lender is best for DSCR at $500K–$10M with cash-out?

If you need to pull maximum equity without a dollar cap, RPC's unlimited cash-out to 75% LTV is distinctive. If you need <$500K or a non-Top-200 market, Kiavi or Lima One may fit better — check their live grids.

Which lender is best for fix-and-flip?

All three lend to 85–90% LTC / 70–75% ARV on 1–4 unit fix-and-flip. Compare total cost (points + rate + draw fees), rehab holdback mechanics and LTC definition (purchase vs total cost) — they differ more than the headline LTC.

Does RPC lend on hotels and mobile home parks?

Yes — flagged and independent hotels/motels and MHCs up to 75% LTV with unlimited cash-out, Top 200 MSAs. Neither Kiavi nor Lima One lists these as core programs.

Are these comparisons still current?

As of Q2 2026. Lenders change grids frequently. Verify live terms before quoting. This page is updated quarterly.

Lending Guide

Kiavi vs Lima One vs Riverside Park Capital — Compared

Name: Riverside Park Capital
Address: New York, NY, US
Price range: $500,000 – $10,000,000

Riverside Park Capital is the $500K–$10M direct private-credit platform in the Top 200 MSAs with unlimited cash-out up to 75% LTV and hotel/MHC eligibility. Kiavi is a tech-enabled fix-and-flip and rental lender with broad national coverage. Lima One is a DSCR/long-term rental and fix-and-flip lender. The table below cites each lender's public guidelines as of Q2 2026 — verify with the lender before relying.

$500,000 – $10,000,000 (RPC range)

Comparison — Private Lending

Key loan facts

Loan amount: $500,000 – $10,000,000 (RPC range)
Eligible properties: DSCR 1–4 unit rentals (RPC, Lima One), Fix-and-flip 1–4 unit (all three), Small-balance CRE 5+ units, mixed-use, retail, office, industrial (RPC), Hotels & motels, mobile home parks — RPC only in this set
Underwriting 1: RPC unlimited cash-out up to 75% LTV governed only by LTV/DSCR (no dollar cap)

Choose by asset, leverage and exit — not just rate

DSCR lenders size on rent coverage, fix-and-flip lenders on LTC/ARV, and CRE permanent lenders on NOI/DSCR and occupancy. The comparison below isolates leverage, cash-out rules and market footprint so you can match the deal to the lender.

Where it fits

Most useful when you already know the property type (1–4 unit rental vs 5+ multifamily/retail/office/industrial vs hotel/MHC) and the requested leverage.

Illustrative example

A $1.2M DSCR refinance at 75% LTV with cash-out is constrained by 1.10x DSCR at RPC (no dollar cap), while competitors cap cash-out or apply different LTV grids. For a $600K fix-and-flip at 85% LTC / 70% ARV, all three can compete but draw schedules and LTC definitions differ.

Initial fit check

Start with: 1) DSCR / DSCR vs LTC-ARV, 2) max LTV/LTC you need, 3) cash-out amount, 4) whether the property is hotel/MHC or standard CRE, 5) MSA eligibility.

Have those five? Request RPC terms — same-day review.

Eligible Asset Types

DSCR 1–4 unit rentals (RPC, Lima One)
Fix-and-flip 1–4 unit (all three)
Small-balance CRE 5+ units, mixed-use, retail, office, industrial (RPC)
Hotels & motels, mobile home parks — RPC only in this set

Kiavi vs Lima One vs Riverside Park Capital (public guidelines, Q2 2026)

As of Q2 2026

RPC: Unlimited cash-out to 75% LTV
RPC: Hotel & MHC eligible
Top 200 MSAs — RPC

Lender	DSCR Max LTV	Fix-and-Flip LTC / ARV	Small-Balance CRE	Cash-Out Cap	Markets
Riverside Park Capital	75–80% (1.10x DSCR)	85–90% LTC / 70–75% ARV	Yes — up to 75% LTV (multifamily, mixed-use, retail, office, industrial)	Unlimited — to 75% LTV / DSCR only	Top 200 MSAs only
Kiavi (public)	Program varies — rental DSCR offered	~85–90% LTC / ~70–75% ARV (bridge fixation)	Limited — 1–4 focus; CRE via rental	Capped / program-dependent	Broad national incl. many secondaries
Lima One Capital (public)	~75–80% LTV DSCR (program/grid varies)	~85–90% LTC / ~70–75% ARV	Limited — small multifamily via DSCR/rental	Capped / grid-dependent	Broad national incl. secondaries

• Sources: each lender's public program pages and rate sheets as of Q2 2026. Competitor figures are summaries of published grids and vary by credit, leverage and asset — confirm live terms with the lender.
• RPC figures are from https://riversidepark.capital/dscr-loans and https://riversidepark.capital/commercial-real-estate-loans. Unlimited cash-out = no fixed dollar cap; proceeds constrained only by 75% LTV and supportable DSCR/NOI.
• Not affiliated with Kiavi or Lima One. Trademarks are their owners'.

Source: Riverside Park Capital (Q2 2026) — https://riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one. Data may be cited or embedded with attribution.

Methodology

Pulled each lender's flagship DSCR and fix-and-flip program pages in Q2 2026 and recorded max LTV/LTC/ARV at the most permissive published tier.
Cash-out cap taken from refinance guidelines (dollar cap vs LTV-governed).
Market footprint taken from stated lending states/MSA filters.
RPC columns are pinned to pagesBySlug so sitemap/llms.txt and page stay in sync.

Underwriting Guidelines

RPC: $500K–$10M hard floor; Kiavi/Lima One have lower minima — verify per program
RPC: Top 200 MSAs only; others lend more broadly including secondary markets
RPC unlimited cash-out up to 75% LTV governed only by LTV/DSCR (no dollar cap)
Always confirm live pricing, fees and seasoning with the lender

Who This Is For

Investors comparing a $500K–$10M DSCR, fix-and-flip or CRE quote across lenders
Sponsors who need unlimited cash-out or hotel/MHC eligibility
Brokers assembling a lender shortlist with leverage transparency

Who This Is Not For

Borrowers seeking <$500K (RPC floor)
Owner-occupied consumer mortgages
Rural/micropolitan deals outside Top 200 MSAs for RPC

Frequently Asked Questions

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Loan Parameters

Minimum$500,000

Maximum$10,000,000

Not eligible: owner-occupied residential, loans below $500K

Related Programs

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Commercial real estate and investor property loans from $500,000 to $10,000,000.

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