Preliminary Loan Fit Guide
A preliminary fit check compares your deal with a program's published limits: DSCR, leverage, credit score and property type. It is an estimate, not an approval. Final terms follow underwriting, valuation, title and documentation.
Key loan facts
- Loan amount
- From $100,000; up to $5,000,000 for commercial purchase and rate-and-term refinance, up to $5,000,000 for other programs
- Loan type
- All Investor Programs
- Eligible properties
- 1-4 unit rentals, Multifamily (5+ units), Mixed-use, retail, office, industrial, self-storage, cold storage, hotels, motels and data centers (subject to underwriting), Fix and flip and ground-up residential projects
- Minimum DSCR
- 1-4 unit DSCR: 1.10x minimum, up to 80% purchase LTV, up to $5,000,000
- Maximum Leverage
- 1.15x minimum, up to 75% LTV, up to $5,000,000 (cash-out up to $5,000,000)
- Minimum FICO
- Minimum FICO 680 on every program
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
Stabilized rentals and commercial: how the DSCR reads
| Program | DSCR | Preliminary read |
|---|---|---|
| 1-4 unit rental (DSCR loan) | 1.10x or higher | Meets the minimum. Up to 80% LTV on a purchase (cash-out confirmed per deal); loans up to $5,000,000; FICO 680 minimum. Underwriting sets leverage and pricing. |
| 1-4 unit rental (DSCR loan) | Below 1.10x | Below the program minimum. A smaller loan or a different structure can change the ratio. |
| Commercial | 1.15x or higher | Meets the minimum. Up to 75% LTV; loans up to $5,000,000 (purchase, rate-and-term) or $5,000,000 (cash-out); FICO 680 minimum. |
| Commercial | Below 1.15x | Below the program minimum. A smaller loan or a different structure can change the ratio. |
DSCR is income divided by debt service, with both on the same period: monthly with monthly, or annual with annual.
A preliminary read is an estimate. It is not an approval or a commitment to lend.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/loan-approval-matrix. Data may be cited or embedded with attribution.
As of 2026-10-08
Construction and rehab: read on cost and value
| Program | How it is sized | Term | Other requirements |
|---|---|---|---|
| Fix and flip | Sized on cost and after-repair value, up to $5,000,000; the lower amount controls. Leverage confirmed per deal | 12-24 months, interest-only | FICO 680 minimum; prior experience preferred. State availability is confirmed per deal. |
| Ground-up construction | Sized on total project cost, up to $5,000,000, released on a draw schedule. Leverage confirmed per deal | 12-36 months, interest-only | FICO 680 minimum; licensed contractor and construction experience required. State availability is confirmed per deal. |
These programs are not sized on stabilized DSCR. Underwriting looks at the budget, the scope, the value after completion and the exit.
Methodology
- Stabilized rentals and commercial property are read on DSCR and LTV.
- Construction and rehab projects are read on cost, value after completion and the exit, not on stabilized DSCR.
- All scenarios assume investor-owned use. Owner-occupied residential is not eligible; owner-occupied commercial can be reviewed as a business-purpose loan.
- Limits come from our credit box, last reviewed October 8, 2026.
Lending Guide
Program Details
Eligible Asset Types
- 1-4 unit rentals
- Multifamily (5+ units)
- Mixed-use, retail, office, industrial, self-storage, cold storage, hotels, motels and data centers (subject to underwriting)
- Fix and flip and ground-up residential projects
Underwriting Guidelines
- 1-4 unit DSCR: 1.10x minimum, up to 80% purchase LTV, up to $5,000,000
- Commercial: 1.15x minimum, up to 75% LTV, up to $5,000,000 (cash-out up to $5,000,000)
- Fix and flip: up to $5,000,000; leverage sized on cost and after-repair value, confirmed per deal
- Ground-up construction: up to $5,000,000; leverage sized on total cost, confirmed per deal
- Minimum FICO 680 on every program
Who This Is For
- Brokers and investors running a first check on a deal
- Sponsors deciding which program to apply for
Who This Is Not For
- Anyone looking for a credit decision
- Consumer mortgage borrowers
Frequently Asked Questions
Ready to start a loan request?
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.