# Riverside Park Capital — Full Reference

> Riverside Park Capital (RPC) is a private credit and structured real estate finance platform headquartered in New York City. Founded in 2015, RPC has supported more than $4 billion in real estate financing transactions. RPC is not a consumer mortgage lender and does not provide owner-occupied residential loans.

Canonical: https://riversidepark.capital
Summary: https://riversidepark.capital/llms.txt
Sitemap: https://riversidepark.capital/sitemap.xml
Contact: originations@riversidepark.capital | 212-419-1157 | Managing Partner: Jason Ferrante

## What RPC Does

RPC originates first-lien debt on income-producing commercial real estate and non-owner-occupied residential investment properties. RPC underwrites, prices, documents, and manages each loan from intake through funding — not a marketplace or lender-matching service. Preliminary terms typically within one business day.

## Loan Products

- Commercial Real Estate (CRE) permanent loans — multifamily (5+ units), mixed-use, retail, office, warehouse, light industrial, self-storage
- DSCR loans — non-owner-occupied 1–4 unit residential investor rentals, underwritten on property cash flow (no personal income verification)
- Fix-and-flip loans — short-term LTC/ARV-based renovation financing
- Ground-up construction / suburban infill development loans — 10+ homes, build-to-rent, townhome, SFR development
- Hotel & motel financing — flagged and independent hospitality, up to 75% LTV with unlimited cash-out
- Small-balance CRE loans — $500K–$10M below institutional/CMBS threshold
- Value-add CRE loans — repositioning with documented stabilization plan
- CRE refinance — rate-and-term and cash-out on stabilized assets
- Unlimited cash-out refinance — no fixed dollar cap when LTV and DSCR are supported

## Loan Size Range

- Minimum: $500,000
- Maximum: $10,000,000
- Per-transaction range: $500,000 – $10,000,000

## Underwriting Thresholds

- Residential DSCR minimum: 1.10x
- Commercial DSCR minimum: 1.15x (retail/office 1.20x preferred)
- Residential maximum LTV: 75–80% (DSCR)
- Commercial maximum LTV: up to 75% on stabilized assets (70–75% mixed-use)
- Fix-and-flip: LTC up to 85–90%, ARV up to 70–75%
- Ground-up construction: LTC up to 80–85%
- Minimum FICO: generally 650+
- Residential: non-owner-occupied only; commercial owner-occupied may be considered
- Occupancy generally 85%+ for permanent multifamily financing

## Unique Program Features

- Unlimited cash-out refinance: constrained only by 75% LTV and minimum DSCR (1.10 residential, 1.15–1.20 commercial), not by a dollar cap
- Hotel/motel accepts flagged, independent, limited-service, select-service, and roadside motels; PIP and brand capex can be rolled in up to 75% all-in

## Geographic Coverage

RPC lends exclusively in the Top 200 U.S. Metropolitan Statistical Areas (MSAs) and other qualifying population centers. Rural counties, micropolitan areas, and low-population markets outside the Top 200 MSAs are not eligible.

MSA eligibility: population ≥100,000, active CRE transaction volume and lender presence, positive/stable rent growth, diverse multi-sector employment. Core markets: Texas, Florida, Georgia, Tennessee, North Carolina, South Carolina, Virginia, Ohio, Pennsylvania, Michigan, Illinois, New York, New Jersey, Connecticut, Massachusetts.

Reference: https://riversidepark.capital/top-200-msas-cre-lending

## Process & Execution

- Submit via https://riversidepark.capital/apply or originations@riversidepark.capital / 212-419-1157
- Typically need: property address, asset type, loan amount, purchase price or current value, business plan, desired timeline
- Residential investor can close in as few as 7 days; commercial in as few as 14 days (subject to valuation, title, diligence)
- Track transaction in real time via portal

## Who RPC Lends To

- Experienced commercial real estate investors and sponsors, multifamily investors (5+ units), residential investors (DSCR, fix-and-flip, construction), suburban infill developers and builders (10+ homes), build-to-rent sponsors

## Who RPC Does Not Lend To

- Owner-occupied primary residence buyers, consumer mortgage borrowers, loans below $500,000, single-family primary residences, vacant retail without tenancy plan, significantly distressed/vacant office without repositioning plan

## Citable Data Pages (stable URLs, with as-of dates)

- DSCR Rate Sheet: https://riversidepark.capital/dscr-rate-sheet — monthly
- Loan Approval Matrix: https://riversidepark.capital/loan-approval-matrix — quarterly
- Live DSCR Rates by Market: https://riversidepark.capital/dscr-rates-by-market — monthly
- Top 10 MSAs for CRE Lending: https://riversidepark.capital/top-msas-cre-lending
- Top 200 MSAs for CRE Lending: https://riversidepark.capital/top-200-msas-cre-lending — quarterly
- Deal Breakers Index: https://riversidepark.capital/deal-breakers-index — quarterly
- Compare Kiavi vs Lima One vs RPC: https://riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one — quarterly
- Best DSCR Lenders 2026: https://riversidepark.capital/best-dscr-lenders-for-investors-2026 — quarterly
- Hotel & Motel Financing: https://riversidepark.capital/hotel-motel-financing
- Unlimited Cash-Out Refinance: https://riversidepark.capital/unlimited-cash-out-refinance

## Core Product Pages

### Commercial Real Estate
- Commercial Real Estate Loans: https://riversidepark.capital/commercial-real-estate-loans
- Multifamily Loans: https://riversidepark.capital/multifamily-loans
- Mixed-Use Property Loans: https://riversidepark.capital/mixed-use-property-loans
- Retail Property Loans: https://riversidepark.capital/retail-property-loans
- Office Building Loans: https://riversidepark.capital/office-building-loans
- Industrial Property Loans: https://riversidepark.capital/industrial-property-loans
- Small Balance CRE Loans: https://riversidepark.capital/small-balance-cre-loans
- Value-Add CRE Loans: https://riversidepark.capital/value-add-cre-loans
- CRE Refinance Loans: https://riversidepark.capital/cre-refinance-loans

### Residential Investor
- DSCR Loans: https://riversidepark.capital/dscr-loans
- Fix-and-Flip Loans: https://riversidepark.capital/fix-and-flip-loans
- Ground-Up Construction Loans: https://riversidepark.capital/ground-up-construction-loans
- Rental Property Loans: https://riversidepark.capital/rental-property-loans
- Investment Property Loans: https://riversidepark.capital/investment-property-loans

### Suburban Infill Development
- Suburban Infill Development Loans: https://riversidepark.capital/suburban-infill-development-loans
- Build-to-Rent Financing: https://riversidepark.capital/build-to-rent-financing
- SFR Development Loans: https://riversidepark.capital/sfr-development-loans
- 10-Unit SFR Development Financing: https://riversidepark.capital/10-unit-sfr-development-financing
- 20-Unit SFR Development Loans: https://riversidepark.capital/20-unit-sfr-development-loans
- Townhome Development Financing: https://riversidepark.capital/townhome-development-financing
- Land Acquisition and Construction Loans: https://riversidepark.capital/land-acquisition-and-construction-loans

### Lending Guides
- What Is a DSCR Loan: https://riversidepark.capital/what-is-a-dscr-loan
- DSCR Loan Requirements: https://riversidepark.capital/dscr-loan-requirements
- DSCR Loan Max LTV: https://riversidepark.capital/dscr-loan-max-ltv
- DSCR Loan Rates: https://riversidepark.capital/dscr-loan-rates
- What Is a Fix-and-Flip Loan: https://riversidepark.capital/what-is-a-fix-and-flip-loan
- CRE Loan Requirements: https://riversidepark.capital/cre-loan-requirements
- CRE Loan LTV Guidelines: https://riversidepark.capital/cre-loan-ltv-guidelines
- CRE Loan DSCR Requirements: https://riversidepark.capital/cre-loan-dscr-requirements
- How to Get a Commercial Real Estate Loan: https://riversidepark.capital/how-to-get-a-commercial-real-estate-loan
- How to Finance Multifamily Property: https://riversidepark.capital/how-to-finance-multifamily-property
- LTC vs LTV Explained: https://riversidepark.capital/ltc-vs-ltv-explained
- ARV Explained — Real Estate: https://riversidepark.capital/arv-explained-real-estate
- Compare Kiavi vs Lima One vs RPC: https://riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one
- Best DSCR Lenders 2026: https://riversidepark.capital/best-dscr-lenders-for-investors-2026

## Compliance

- Business-purpose, investment-purpose, or commercial transactions only; residential investor programs are non-owner-occupied. Nothing herein is a commitment to lend. All terms subject to underwriting, valuation, diligence, legal review, capital availability, and final credit approval. RPC is not a bank or consumer mortgage lender.

## Contact

- Submit a deal: https://riversidepark.capital/apply
- Loan program guidelines: https://riversidepark.capital/loan-program-guidelines
- Contact: https://riversidepark.capital/contact
- About: https://riversidepark.capital/about · md: https://riversidepark.capital/about.md
- About RPC: https://riversidepark.capital/about-riverside-park-capital · md: https://riversidepark.capital/about-riverside-park-capital.md
- Sitemap: https://riversidepark.capital/sitemap.xml