Frequently Asked Questions

Riverside Park Capital provides structured debt solutions for income-producing and investor-owned real estate. Programs include commercial permanent financing, multifamily financing, mixed-use, retail, office, industrial, DSCR rental loans, fix-and-flip, and ground-up construction loans. All programs are for business-purpose, non-owner-occupied transactions.

Loan sizes generally range from $500,000 to $10,000,000, depending on program type, collateral, market, and borrower profile. Larger transactions may be considered on a case-by-case basis.

No. Riverside Park Capital is not a consumer mortgage lender and does not provide owner-occupied residential mortgage loans. All programs are for business-purpose, investment, or commercial transactions only.

Financing programs are available in most U.S. states. Program availability varies by loan type. Contact originations for confirmation of availability in your market.

Programs are available for qualified sponsors, developers, brokers, and real estate investors. Typical borrowers include experienced commercial real estate operators, residential real estate investors, and developers with a documented track record.

At minimum, we require a property summary, loan amount requested, use of proceeds, sponsor/borrower profile, and any available rent roll, operating statements, or project budget as applicable to the loan type. Full documentation requirements are provided after preliminary review.

Underwriting evaluates collateral value, income and cash flow (where applicable), borrower experience and creditworthiness, market conditions, and exit strategy. Preliminary terms are subject to underwriting, valuation, market conditions, borrower qualifications, collateral review, and final credit approval.

Credit requirements vary by program. Our originations team can provide program-specific guidance after reviewing your loan request summary. Strong credit is a positive factor but is considered alongside asset quality, experience, and loan request structure.

Eligible property types include multifamily (5+ units), mixed-use, retail, office, industrial, warehouse, self-storage, and other income-producing commercial real estate assets. Special-use properties are evaluated on a case-by-case basis.

Yes. Commercial real estate programs are available for both owner-occupied and investor-owned commercial assets, provided the transaction is structured as a business-purpose loan. Riverside Park Capital does not provide consumer-purpose residential mortgages. Residential investor programs require non-owner-occupied status.

LTV ratios vary by property type, program, and loan purpose. Permanent programs are typically underwritten to stabilized DSCR and may offer up to 70–75% LTV on stabilized value. Exact parameters are program-specific and subject to underwriting.

Short-term programs such as fix-and-flip financing typically carry terms of 12 to 24 months, subject to program parameters and collateral performance.

A DSCR (Debt Service Coverage Ratio) loan is a business-purpose loan for non-owner-occupied 1–4 unit residential investment properties. Qualification is based on the property's rental income relative to the debt service, not the borrower's personal income. DSCR loans are not consumer mortgage products.

Fix-and-flip financing provides short-term acquisition and renovation capital for investor-owned residential properties. Loan proceeds are used to purchase and rehabilitate a property for resale. Loan-to-cost (LTC) and loan-to-ARV (after-repair value) guidelines vary by program and sponsor experience.

Ground-up construction financing provides capital for the development of new residential properties, including single-family, townhomes, and small multifamily. Loans are structured with construction draws and convert or are refinanced upon project completion.

Submit a loan request summary through our online portal at riversidepark.capital/apply. Include the property address, requested loan amount, use of proceeds, and a brief sponsor background. Our originations team will review and respond with a preliminary indication of interest.

A term sheet is a non-binding document outlining the proposed structure, pricing, conditions, and timeline for a potential loan. It is provided after preliminary review and serves as the basis for formal underwriting. All terms are subject to change through the underwriting process.

Timeline varies by loan request complexity, documentation completeness, and program type. Short-term programs can close in as few as 3–4 weeks with complete documentation. Complex or larger commercial transactions may take longer. Specific timelines are discussed during the preliminary review.