CRE Refinance Loans
Riverside Park Capital refinances occupied commercial property in two ways. A rate-and-term refinance goes up to $5,000,000. A cash-out refinance goes up to $5,000,000, with unlimited cash-out proceeds within that limit and 75% LTV. Both need a minimum DSCR of 1.15x and a minimum FICO of 680. Closing in as little as 30 days, subject to underwriting.
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
- CRE Refinance
- Eligible properties
- Multifamily (5+ units), Mixed-use, Retail, Office, Industrial and warehouse, Self-storage, Cold storage, Hotels and motels, Data centers
- Term
- up to $5,000,000
- Maximum Leverage
- up to $5,000,000, unlimited cash-out proceeds within that limit and 75% LTV; 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.
As of 2026-10-08
Rate-and-term vs cash-out refinance
| Rate-and-term refinance | Cash-out refinance | |
|---|---|---|
| Maximum loan | $5,000,000 | $5,000,000 |
| Maximum LTV | 75% | 75% |
| Minimum DSCR | 1.15x | 1.15x |
| Minimum FICO | 680 | 680 |
| Cash out | None beyond closing costs | Unlimited proceeds within $5,000,000 and 75% LTV |
| Closing | As little as 30 days | As little as 30 days |
Occupied commercial real estate only. Final terms follow underwriting, the appraisal and title.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/cre-refinance-loans. Data may be cited or embedded with attribution.
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
- Rate-and-term refinance: up to $5,000,000
- Cash-out refinance: up to $5,000,000, unlimited cash-out proceeds within that limit and 75% LTV
- 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
Who This Is For
- CRE owners refinancing stabilized assets
- Sponsors extracting equity from commercial properties
- Investors lowering their cost of capital on performing assets
Who This Is Not For
- Properties not yet stabilized or in lease-up
- Owner-occupied residential
Frequently Asked Questions
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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.