Lending Guide

Unlimited Cash-Out Refinance — Up to 75% LTV

Name: Riverside Park Capital
Address: New York, NY, US
Price range: $500,000 – $10,000,000

Riverside Park Capital allows unlimited cash-out on qualifying refinances of commercial and investor real estate, up to 75% LTV. Unlike conventional and agency programs that cap cash-back at fixed dollar amounts or season-of-ownership rules, RPC's program is governed only by leverage (75% LTV) and supportable DSCR — there is no fixed cap on the dollars returned to the sponsor at closing.

$500,000 – $10,000,000

Cash-Out Refinance — All Eligible Assets

Eligible Asset Types

Multifamily
Mixed-Use
Retail
Office
Industrial / Warehouse
Hotels & Motels
Mobile Home Parks
DSCR 1–4 Unit Investor Rentals

Cash-Out Refinance Limits by Asset Class

As of Q2 2026

Up to 75% LTV
No fixed cash-out cap
All eligible asset classes

Asset Class	Max LTV	Cash-Out Cap	Min DSCR
Multifamily	75%	Unlimited	1.20
Mixed-Use / Retail	70–75%	Unlimited	1.20–1.25
Industrial / Warehouse	70–75%	Unlimited	1.20
Hotels & Motels	75%	Unlimited	1.25
Mobile Home Parks	75%	Unlimited	1.20
DSCR 1–4 Unit Investor	75–80%	Unlimited	1.10

• Cash-out proceeds are determined by appraisal and DSCR, not by an arbitrary dollar cap.
• Seasoning requirements may be waived for cost-basis cash-out within the first 6 months.

Source: Riverside Park Capital (Q2 2026) — https://www.riversidepark.capital/unlimited-cash-out-refinance. Data may be cited or embedded with attribution.

Underwriting Guidelines

Maximum LTV: 75% on commercial; up to 75–80% on residential investor (DSCR) depending on program
No dollar cap on cash-back proceeds — constrained only by LTV and DSCR
Minimum DSCR varies by asset class (1.10 residential investor, 1.20–1.25 commercial)
Seasoning: 6 months from acquisition or completion of value-add for full cash-out at appraised value
First-lien only, business-purpose loans only
Property must operate in a Top 200 U.S. MSA

Who This Is For

Sponsors who completed a value-add execution and want to pull equity out at the new appraised value
Owners with significant equity build-up over a long hold who want to redeploy capital
Operators consolidating multiple loans into a single cash-out refi
Investors rolling proceeds into 1031 replacements, portfolio expansion, or operating reserves

Who This Is Not For

Recently acquired properties without 6 months of seasoning
Owner-occupied consumer mortgages
Loans below $500,000

Frequently Asked Questions

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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Loan Parameters

Minimum$500,000

Maximum$10,000,000

Not eligible: owner-occupied residential, loans below $500K

Related Programs

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Commercial real estate and investor property loans from $500,000 to $10,000,000.

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