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Commercial Real Estate Financing

Mixed-Use Property Financing for Urban and Suburban Investors

Financing for mixed-use properties that combine residential apartment units with ground-floor or lower-level commercial space. Loans are underwritten through Riverside Park Capital's Commercial Permanent program based on blended residential and commercial income.

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Program at a glance

Purchase / Rate-and-Term Loan Amount
$100,000 to $5,000,000
Cash-Out Max Loan
$5 million
Occupancy
Occupied commercial real estate only
Rate
Set per deal; rates are not published
Max LTV
Up to 75%
Minimum DSCR
1.15x
Term
5-30 years
Amortization
Up to 30 years
Minimum FICO
680
Use Mix
Retail/Office + Residential
Purpose
Acquisition, Rate & Term, Cash-Out

Commercial Real Estate Financing

Program Details

Available in 48 states; eligibility is confirmed per deal.

Loan size
Purchase and rate-and-term refinance: $100,000 to $5,000,000. Commercial cash-out: up to $5 million. Subject to underwriting.
Closing
Closing in as little as 30 days

Eligible Property Types

  • Residential over retail (apartments above ground-floor commercial)
  • Urban mixed-use buildings with multiple commercial tenants
  • Mixed-use with professional office and residential components
  • Main Street commercial buildings with upper-floor apartments
  • Mixed-use assets in lease-up or repositioning (reviewed case by case)

Common Use Cases

  • Acquisition of stabilized urban mixed-use buildings
  • Stabilization plans for mixed-use properties in lease-up or under-occupied commercial space
  • Recapitalization or refinance of existing mixed-use debt
  • Value-add repositioning of mixed-use properties with below-market rents
  • Refinance of maturing short-term debt on stabilizing mixed-use assets

Typical Borrower Profile

  • Urban commercial real estate investors with mixed-use experience
  • Main Street property owners and operators managing residential and retail tenancies
  • Value-add sponsors repositioning underperforming mixed-use assets
  • Sponsors experienced with commercial lease structures and residential management

Required Documentation

  • Full rent roll including residential and commercial units
  • Trailing 12-month operating statement
  • Commercial lease agreements for occupied commercial space
  • Borrower/sponsor background and entity documents
  • Property appraisal or recent market valuation
  • Capital improvement plan (for value-add transactions)
$100,000 to $5,000,000. Purchase and rate-and-term refinance only; commercial cash-out is capped at $5 million.

How the Preliminary Term Process Works

Programs are available for qualified sponsors, developers, brokers, and real estate investors. Preliminary terms are subject to underwriting, valuation, market conditions, borrower qualifications, collateral review, and final credit approval.

  1. Submit Loan Request Summary

    Provide property address, loan amount requested, use of proceeds, and sponsor information through our secure loan request submission portal.

  2. Preliminary Review

    Our originations team reviews the submission and responds with a preliminary indication of interest and any additional information needed.

  3. Term Sheet Issuance

    If the loan request meets our program criteria, we issue a preliminary term sheet outlining structure, pricing, and conditions for formal underwriting.
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Frequently Asked Questions

Related Programs

Request Financing

Submit your loan request summary and a member of our originations team will follow up to discuss preliminary terms.
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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.