PEinc, what a railcar can carry with the axles supporting it, is considerably more than what it will carry supported at the ends. Yes, for residential vehicle traffic it would likely do fine, but the OP asked about load rating it, which requires an assessment of it's capacity in it's current situation, under loading that may or may not be centered on the car. Remember, there are 2 railcars; a truck crossing the bridge may have one wheel line (one side of multiple axles) in any position transversely on the bridge, including with one wheel line near the edge of deck, relying mostly on the smaller exterior stringer.
As I said before, there are no quick and easy ways to get an accurate estimate of the load carrying capacity of a railroad car used as a bridge. It must be analyzed based on the sizes and configurations of the stringers, the support conditions, and the distribution of the wheel loads to the individual stringers.