Loan Program Guidelines
Commercial purchase and rate-and-term refinance loans go up to $5,000,000; commercial cash-out refinance up to $5,000,000; residential DSCR, fix and flip and ground-up construction up to $5,000,000 each. The minimum FICO is 680 on every program. The table below compares them, from our approved guidelines, last reviewed October 8, 2026. SBA financing is a separate program.
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 Programs
- Eligible properties
- Commercial (subject to underwriting): multifamily, office, retail, industrial, mixed-use, self-storage, cold storage, hotels, motels and data centers, Residential investor: 1-4 unit rentals, condos, townhomes and PUDs, Fix and flip and ground-up construction: 1-4 unit residential
- Minimum DSCR
- Commercial purchase and rate-and-term refinance: up to $5,000,000, up to 75% LTV, DSCR 1.15x minimum, occupied commercial real estate only; Commercial cash-out refinance: up to $5,000,000, up to 75% LTV, DSCR 1.15x minimum, unlimited cash-out proceeds within those limits; up to $5,000,000, up to 80% purchase LTV, DSCR 1.10x minimum; cash-out leverage confirmed per deal
- 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
Program comparison
| Program | Loan size | Leverage | DSCR | Min FICO | Closing | Notes |
|---|---|---|---|---|---|---|
| Commercial Purchase & Rate-and-Term Refinance | Up to $5,000,000 | Up to 75% LTV | 1.15x minimum | 680 | As little as 30 days | Occupied commercial real estate only. 5-30 years; up to 30-year amortization. Eligible (subject to underwriting): multifamily, office, retail, industrial, mixed-use, self-storage, cold storage, hotels, motels and data centers. |
| Commercial Cash-Out Refinance | Up to $5,000,000 | Up to 75% LTV | 1.15x minimum | 680 | As little as 30 days | Unlimited cash-out proceeds within the $5,000,000 loan limit and 75% LTV. |
| Residential Investor DSCR Loans | Up to $5,000,000 | Up to 80% LTV on a purchase; cash-out confirmed per deal | 1.10x minimum | 680 | Confirmed per deal | Non-owner-occupied residential investment properties only: 1-4 unit rentals, condos, townhomes and PUDs. 30-year term, fixed or adjustable rate. |
| Fix & Flip Loans | Up to $5,000,000 | Sized on cost and after-repair value, confirmed per deal; the lower amount controls | Not sized on stabilized DSCR | 680 | Confirmed per deal | 12-24 months, interest-only. Prior experience preferred, not required. State availability is confirmed per deal. |
| Ground-Up Construction Loans | Up to $5,000,000 | Sized on total project cost, confirmed per deal | Not sized on stabilized DSCR | 680 | Confirmed per deal | 12-36 months, interest-only on a draw schedule. Licensed contractor and construction experience required. State availability is confirmed per deal. |
| SBA Financing | 7(a) up to $5,000,000 per loan; 504 SBA/CDC portion up to $5,000,000 | Up to 90% financing for qualifying SBA transactions | Per SBA and lender review | 680 | As little as 45 days for qualified transactions | Owner-occupied commercial real estate eligibility requirements apply. Separate from conventional commercial financing; total project financing can be larger than the SBA loan limit. |
Source: Riverside Park Capital approved lending guidelines, last reviewed October 8, 2026.
Only commercial purchase and rate-and-term refinance go up to $5,000,000. Every other conventional program stops at $5,000,000. A program maximum is not what every deal qualifies for.
ARV is a dollar value (the expected value after the work); loan-to-ARV is the ratio applied to it.
Pricing is deal-specific. We do not publish rates.
Coverage: commercial in 48 states, 1-4 unit DSCR in 43 states, fix and flip and ground-up construction confirmed per deal. Licensing and availability vary by program, property and state. We confirm both for each deal.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/loan-program-guidelines. Data may be cited or embedded with attribution.
Loan Programs
Program Details
Eligible Asset Types
- Commercial (subject to underwriting): multifamily, office, retail, industrial, mixed-use, self-storage, cold storage, hotels, motels and data centers
- Residential investor: 1-4 unit rentals, condos, townhomes and PUDs
- Fix and flip and ground-up construction: 1-4 unit residential
Underwriting Guidelines
- Commercial purchase and rate-and-term refinance: up to $5,000,000, up to 75% LTV, DSCR 1.15x minimum, occupied commercial real estate only
- Commercial cash-out refinance: up to $5,000,000, up to 75% LTV, DSCR 1.15x minimum, unlimited cash-out proceeds within those limits
- Residential DSCR: up to $5,000,000, up to 80% purchase LTV, DSCR 1.10x minimum; cash-out leverage confirmed per deal
- 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, draw schedule; leverage sized on total cost, confirmed per deal
- SBA 7(a) and 504: up to 90% financing for qualifying owner-occupied transactions, a separate program
- Minimum FICO 680 on every program
- Preliminary terms are an estimate, not an approval. Final terms follow underwriting.
Who This Is For
- Investors, sponsors and developers comparing programs before they apply
Who This Is Not For
- Owner-occupied residential buyers
- Not financed: gas stations, car washes, mobile home parks and religious facilities
Frequently Asked Questions
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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.