Rental Property Loans
Riverside Park Capital provides rental property loans up to $5,000,000 for residential investors. They are underwritten on DSCR, so no personal income verification is required: up to 80% purchase LTV, a 1.10x minimum DSCR and a 680 minimum FICO.
Commercial purchase and rate-and-term refinance: up to $15 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.
Key loan facts
- Loan Amount
- $100,000 to $5,000,000
- Eligible properties
- Single-family rental properties, 2-4 unit rental properties, Short-term rental properties, Portfolios of 1-4 unit rentals
- Maximum Leverage
- 80%
- Minimum DSCR
- 1.10x
- Minimum FICO
- 680
Eligible Asset Types
- Single-family rental properties
- 2-4 unit rental properties
- Short-term rental properties
- Portfolios of 1-4 unit rentals
Underwriting Guidelines
- Loan size: $100,000 to $5,000,000
- Maximum purchase LTV: 80%
- Minimum DSCR: 1.10x
- Minimum FICO: 680
- Non-owner-occupied residential investment properties only
- Cash-out refinance leverage is confirmed per deal
Who This Is For
- Residential rental property investors
- Buy-and-hold investors growing a rental portfolio
- Self-employed investors with rental income
Who This Is Not For
- Owner-occupants buying a primary residence
Frequently Asked Questions
DSCR loans are business-purpose loans for non-owner-occupied investment properties and are not consumer owner-occupied residential mortgages.
Request Financing
Tell us about the property. We send preliminary terms, which are an estimate and not an approval.
Request Financing View Program GuidelinesSubject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.
Program Loan Limits
Commercial purchase and rate-and-term refinance: up to $15 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.
Related Programs
Ready to start a loan request?
Commercial real estate and investor property loans. Commercial purchase and rate-and-term refinance: up to $15 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.
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.