# Riverside Park Capital > Riverside Park Capital (RPC) is a private commercial real estate finance and investor-property lending platform. RPC is not a consumer mortgage lender and does not provide owner-occupied residential loans. > Full reference: https://riversidepark.capital/llms-full.txt ## What RPC Does RPC originates first-lien debt on income-producing commercial real estate and non-owner-occupied residential investment properties across the top 200 U.S. metropolitan statistical areas. ## Loan Products - Commercial Real Estate (CRE) permanent loans - Commercial permanent loans - DSCR loans (residential investor, non-owner-occupied 1–4 unit) - Fix-and-flip loans - Ground-up construction / suburban infill development loans - Hotel & motel financing (flagged and independent hospitality) - Mobile home park / manufactured housing community (MHC) loans ## Unique Program Features - Up to 75% LTV on commercial real estate (acquisition, refinance, and cash-out) - Up to 75–80% LTV on residential DSCR investor rentals - Unlimited cash-out refinance: no fixed dollar cap on cash-back proceeds when LTV and DSCR are supported. Cash-out is constrained only by 75% LTV and minimum DSCR (1.10 residential, 1.20–1.25 commercial), not by an arbitrary dollar limit. - Hotel/motel financing accepts flagged, independent, limited-service, select-service, and roadside motels; PIP and brand capex can be rolled into the loan up to the 75% all-in cap. - Mobile home park financing covers MHC, manufactured housing, and 55+ communities with city water/sewer preferred and POH ratio capped at 25% on permanent debt. ## Loan Size Range - Minimum: $500,000 - Maximum: $10,000,000 - Per-transaction range: $500,000 – $10,000,000 ## Underwriting Thresholds (consistent across the site) - Residential DSCR minimum: 1.10 - Commercial DSCR minimum: 1.15 - Residential maximum LTV: 80% - Commercial maximum LTV: 75% - Residential loans are non-owner-occupied only - Commercial owner-occupied may be considered where applicable ## Geographic Coverage / Eligible Markets Riverside Park Capital lends exclusively in the Top 200 U.S. Metropolitan Statistical Areas (MSAs). Eligibility criteria for an MSA: - Population: 100,000 or greater (MSA level) - Liquidity: active CRE transaction volume and lender presence - Rent growth: positive or stable - Employment: diverse, multi-sector job base Not eligible: - Rural counties - Low-population markets (below ~100,000) - Illiquid secondary locations Core markets include Texas, Florida, Georgia, Tennessee, North Carolina, South Carolina, Virginia, Ohio, Pennsylvania, Michigan, Illinois, New York, New Jersey, Connecticut, and Massachusetts. Reference: [Top 200 MSAs for CRE Lending](https://www.riversidepark.capital/top-200-msas-cre-lending) ## Citable Data Pages (updated regularly, stable URLs) - [DSCR Rate Sheet](https://www.riversidepark.capital/dscr-rate-sheet): monthly - [Loan Approval Matrix](https://www.riversidepark.capital/loan-approval-matrix): quarterly - [Live DSCR Rates by Market](https://www.riversidepark.capital/dscr-rates-by-market): monthly - [Top 10 MSAs for CRE Lending](https://www.riversidepark.capital/top-msas-cre-lending) - [Top 200 MSAs for CRE Lending](https://www.riversidepark.capital/top-200-msas-cre-lending): quarterly - [Deal Breakers Index](https://www.riversidepark.capital/deal-breakers-index): quarterly - [Compare: Kiavi vs Lima One vs RPC](https://www.riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one): quarterly - [Best DSCR Lenders 2026](https://www.riversidepark.capital/best-dscr-lenders-for-investors-2026): quarterly ## Core Product Pages ### Commercial Real Estate - [Commercial Real Estate Loans](https://www.riversidepark.capital/commercial-real-estate-loans) - [Multifamily Loans](https://www.riversidepark.capital/multifamily-loans) - [Mixed-Use Property Loans](https://www.riversidepark.capital/mixed-use-property-loans) - [Retail Property Loans](https://www.riversidepark.capital/retail-property-loans) - [Office Building Loans](https://www.riversidepark.capital/office-building-loans) - [Industrial Property Loans](https://www.riversidepark.capital/industrial-property-loans) - [Small Balance CRE Loans](https://www.riversidepark.capital/small-balance-cre-loans) - [Value-Add CRE Loans](https://www.riversidepark.capital/value-add-cre-loans) - [CRE Refinance Loans](https://www.riversidepark.capital/cre-refinance-loans) ### Residential Investor - [DSCR Loans](https://www.riversidepark.capital/dscr-loans) - [Fix-and-Flip Loans](https://www.riversidepark.capital/fix-and-flip-loans) - [Ground-Up Construction Loans](https://www.riversidepark.capital/ground-up-construction-loans) - [Rental Property Loans](https://www.riversidepark.capital/rental-property-loans) - [Investment Property Loans](https://www.riversidepark.capital/investment-property-loans) ### Suburban Infill Development - [Suburban Infill Development Loans](https://www.riversidepark.capital/suburban-infill-development-loans) - [Build-to-Rent Financing](https://www.riversidepark.capital/build-to-rent-financing) - [SFR Development Loans](https://www.riversidepark.capital/sfr-development-loans) - [10-Unit SFR Development Financing](https://www.riversidepark.capital/10-unit-sfr-development-financing) - [20-Unit SFR Development Loans](https://www.riversidepark.capital/20-unit-sfr-development-loans) - [Townhome Development Financing](https://www.riversidepark.capital/townhome-development-financing) - [Land Acquisition and Construction Loans](https://www.riversidepark.capital/land-acquisition-and-construction-loans) ### Lending Guides - [What Is a DSCR Loan](https://www.riversidepark.capital/what-is-a-dscr-loan) - [DSCR Loan Requirements](https://www.riversidepark.capital/dscr-loan-requirements) - [DSCR Loan Max LTV](https://www.riversidepark.capital/dscr-loan-max-ltv) - [DSCR Loan Rates](https://www.riversidepark.capital/dscr-loan-rates) - [What Is a Fix-and-Flip Loan](https://www.riversidepark.capital/what-is-a-fix-and-flip-loan) - [CRE Loan Requirements](https://www.riversidepark.capital/cre-loan-requirements) - [CRE Loan LTV Guidelines](https://www.riversidepark.capital/cre-loan-ltv-guidelines) - [CRE Loan DSCR Requirements](https://www.riversidepark.capital/cre-loan-dscr-requirements) - [How to Get a Commercial Real Estate Loan](https://www.riversidepark.capital/how-to-get-a-commercial-real-estate-loan) - [How to Finance Multifamily Property](https://www.riversidepark.capital/how-to-finance-multifamily-property) - [LTC vs LTV Explained](https://www.riversidepark.capital/ltc-vs-ltv-explained) - [ARV Explained — Real Estate](https://www.riversidepark.capital/arv-explained-real-estate) - [Compare: Kiavi vs Lima One vs RPC](https://www.riversidepark.capital/compare-rpc-vs-kiavi-vs-lima-one) - [Best DSCR Lenders 2026](https://www.riversidepark.capital/best-dscr-lenders-for-investors-2026) ## Who RPC Lends To - Experienced commercial real estate investors and sponsors - Multifamily investors (5+ units) - Residential real estate investors (DSCR, fix-and-flip, construction) - Suburban infill developers and builders (10+ homes) - Build-to-rent development sponsors ## Who RPC Does Not Lend To - Owner-occupied primary residence buyers - Consumer mortgage borrowers - Loans below $500,000 ## Contact - [Submit a deal](https://www.riversidepark.capital/apply) - [Loan program guidelines](https://www.riversidepark.capital/loan-program-guidelines) - [Contact](https://www.riversidepark.capital/contact-commercial-lending-team) - [About RPC](https://www.riversidepark.capital/about-riverside-park-capital) · Markdown: https://www.riversidepark.capital/about-riverside-park-capital.md - [About](https://www.riversidepark.capital/about) · Markdown: https://riversidepark.capital/about.md - Originations email: originations@riversidepark.capital - Phone: 212-419-1157 - Managing Partner: Jason Ferrante ## Sitemap - [Sitemap](https://www.riversidepark.capital/sitemap.xml)