01
Get your rate
Answer 8–10 questions about your property and loan size. We return an indicative rate in 90 seconds, with no credit pull.
Direct Lender · $500K – $10M
Real estate loans
in 90 seconds.
Direct private lender for DSCR rentals, fix & flip, ground-up construction, commercial, bridge, and SBA loans. Real indicative rates with no credit pull and no commitment.
Bank-grade encryption No credit pull 14-day average close
$5B+
Funded since inception
9,000+
Loans closed
7 days
Fastest bridge close
50 states
Lending nationwide
Process
How it works
02
Sign your term sheet
Speak with a loan specialist, sign the term sheet, and submit a streamlined credit package. Most files clear in 5–7 days.
03
Close and fund
We coordinate appraisal, title, and closing in-house. Most loans fund within 14 days. Bridge loans can fund in 7.
Loan Programs
Six ways to fund your next deal
Direct capital from $500K to $10M across residential investment and commercial real estate.
DSCR Rental Loan
Long-term financing for income-producing rentals, qualified on rental income, not your W-2.
5.75% – 6.75%30-year termsUp to 80% LTV
- ✓No personal income or tax returns
- ✓Single-family, 2–4 unit, condo, townhome
- ✓Cash-out refinance available
- ✓Vesting in LLCs accepted
Fix & Flip Loan
Acquisition + rehab in one short-term loan, with rehab funded by draw.
8.00% – 9.00%12–24 monthsUp to 90% LTC; up to 100% of rehab budget, subject to ARV
- ✓100% of rehab budget
- ✓No prepayment penalty
- ✓First-time flippers welcome
- ✓In-house draw process
Ground-Up Construction
Land + vertical construction draws for new residential builds.
9.75% – 10.75%12–24 monthsUp to 85% LTC, subject to completed value and budget
- ✓Land acquisition included
- ✓Interest-only during construction
- ✓Streamlined draw schedule
- ✓Builder-friendly terms
Commercial Permanent
Long-term financing for stabilized commercial real estate.
7.50% – 8.75%5–10 year termsUp to 75% LTV
- ✓Multifamily 5+, office, retail, industrial
- ✓Cash-out refinance to 75%
- ✓Non-recourse available
- ✓Mixed-use and self-storage
Commercial Bridge
Short-term capital for transitional, value-add, and time-sensitive deals.
9.50% – 10.75%12–36 monthsUp to 70% LTV, subject to asset and exit
- ✓Close in as few as 7 days
- ✓Interest-only structure
- ✓Light-doc underwriting
- ✓Bridge to perm available
SBA 7(a) & 504
SBA-backed financing for owner-occupied commercial real estate.
6.75% – 8.75%10–25 year termsUp to 90% financing
- ✓Owner-occupied CRE only
- ✓Up to 90% financing
- ✓Long amortization, low payment
- ✓Working capital can be combined
Key loan answers
- Loan amount
- $500,000–$10,000,000
- Eligibility
- RPC lends on qualifying investor-owned residential and commercial property in all 50 U.S. states, with a focus on eligible transactions in the top 200 MSAs and other qualifying population centers. Indicative screening generally starts at FICO 660.
- Leverage
- Up to 80% residential LTV and 75% commercial LTV; leverage depends on program and asset quality.
- DSCR and underwriting
- Standard screening starts at 1.10x for residential and 1.15x for commercial real estate; program exceptions depend on the asset and exit.
- Terms
- Terms vary by program: DSCR can use 30-year fixed or interest-only options; bridge, flip, and construction programs are generally short-term.
- Documents
- Loan request, property details, borrower/entity information, purchase contract or payoff, rent roll or operating statement, and scope/budget when applicable.
- Closing time
- Most files close in 7–14 days; qualified bridge transactions can close in as few as 7 days.
Explore related lending topics
Why RPC
Built for serious operators
The fastest path from offer accepted to wire received.
Direct lender
We underwrite, fund, and service every loan with our own capital and institutional partners.
14-day average close
We own the timeline end-to-end. When other lenders can't deliver, we step in and close.
One point of contact
A senior loan officer owns your file from term sheet to wire. The same person every time you call.
Common-sense underwriting
Real humans review every file. We say yes to deals algorithmic lenders pass on, and we say no fast.
What borrowers say
Trusted by repeat operators
“RPC closed a $4.2M bridge in 11 days when our prior lender pulled out at the closing table. They saved the deal.”
“We've done seven DSCR loans with RPC across our portfolio. Same point of contact every time, no surprises.”
“First flip and they walked me through every draw. Funded the rehab on a 48-hour turnaround.”
FAQ
Frequently asked questions
If you don't see your question, ask a specialist after your quote.
Our online application returns an indicative rate in 90 seconds. There is no credit pull and no commitment to receive your quote.
Riverside Park Capital is a direct lender. We underwrite, fund, and service loans with our own capital and institutional partners.
A DSCR loan (Debt Service Coverage Ratio loan) is a rental-property mortgage qualified on the property's rental income rather than the borrower's personal income, tax returns, or W-2s. It's the most common loan type for buy-and-hold real estate investors.
We work with borrowers with a FICO of 660 and above. Borrowers above 720 typically qualify for our best pricing. Our quote does not require a credit pull.
Our loans range from $500,000–$10,000,000. Larger transactions can be considered case-by-case through our institutional capital partners.
Yes. We lend in All 50 U.S. states, focused on eligible transactions in the top 200 MSAs and other qualifying population centers.
Nothing. Our 90-second quote is free, requires no credit pull, and carries no obligation. You only pay closing costs if you choose to proceed with a loan.
Most loans fund within 7–14 days of application. Bridge loans can fund in as few as 7 days when title and appraisal cooperate. Construction and SBA loans take longer due to draw schedules and SBA review.
Your rate, in 90 seconds.
No credit pull. No commitment. Real numbers from a direct lender.