Welcome to Metropolitan Commercial Capital Group
Metropolitan Commercial Capital Group (Metro CCG) is a private-capital commercial mortgage banking firm specializing in structured debt solutions for income-producing commercial real estate.
Metro CCG originates and structures loans funded by family offices and wealth management firms representing ultra-high-net-worth (UHNW) individuals, rather than traditional institutional lenders.
This private-capital model allows Metro CCG to offer greater flexibility, faster execution, and customized structures across acquisitions, refinances, recapitalizations, and value-add transactions.
Capital Platform & Funding Sources
Metro CCG’s loan funding is provided by:
- Single- and multi-family offices
- Wealth management firms acting on behalf of UHNW individuals
- Select private credit mandates seeking secured, fixed-income commercial mortgage investments
Investor capital is deployed directly into collateral-backed commercial mortgage notes, aligning borrower execution certainty with investor capital preservation and yield objectives.
Core Lending Focus & Product Tiers
Tier One Lending Program – Multifamily (Primary Focus)
Multifamily lending represents Metro CCG’s Tier One product and receives priority capital allocation, enhanced leverage options, and preferred pricing.
Tier One Eligible Assets:
- LIHTC/Subsidized Housing
- Affordable Housing
- Market-rate Multifamily
- Senior Housing
- Corporate Housing
- Workforce Housing
- Extended Stay Housing
- Mixed-use properties (apartments-Over-Retail)
- Value-add and transitional multifamily
- Stabilized multifamily portfolios
Various Loan Structuring Options
Available structures include bridge loans, DSCR-based permanent financing, long-term fully amortizing loans, and wraparound structures with up to 100% LTC, subject to underwriting.
Tier Two Lending Programs – Other Income-Producing Commercial Assets
All other income-producing commercial properties fall under Tier Two programs, financed on a selective basis.
Tier Two Property Types
- Industrial and flex
- Office (stabilized or transitional)
- Retail (neighborhood and necessity-based)
- Mixed-use (office-over-retail)
- Hospitality (select-service and boutique)
- Self-storage and specialty assets (case-by-case)
Tier Two assets may require more conservative leverage, higher DSCR thresholds, and enhanced reserves.
Borrower Profile
Metro CCG partners with experienced:
- Commercial owner-operators
- Property management companies
- Commercial real estate developers
- Private real estate investors and sponsor groups
Strong sponsorship, operational experience, and a clearly articulated business plan are key underwriting considerations.
Loan Programs
Short-Term Bridge Loan Programs
- 12–36 month terms with extension options
- Interest-only or partial amortization
- Designed for acquisitions, renovations, lease-up, and repositioning
- Flexible underwriting for transitional assets
Long-Term Fully Amortizing Loan Programs
- Designed for stabilized assets and buy-and-hold strategies
- 5–30 year terms
- Fixed-rate or floating-rate options
- Predictable debt service and long-term capital certainty
DSCR (Debt Service Coverage Ratio) Loan Program
Metro CCG’s DSCR Loan Program is underwritten primarily to property cash flow, not borrower personal income.
Key Parameters
- Minimum DSCR: Typically 1.15x–1.25x (higher for Tier Two assets)
- Standard LTV: Up to 65%–75%
- Fully amortizing or hybrid structures
- Non-recourse or limited-recourse options available
Eligible for Tier One multifamily and select Tier Two properties.
100% LTC Financing via Commercial Mortgage Wraparound Structure
Metro CCG offers up to 100% Loan-to-Cost (LTC) financing through a commercial mortgage wraparound structure for qualified transactions.
Structure
- Senior first mortgage combined with a wraparound or subordinated note
- Enables high-leverage execution while preserving borrower equity
- Requires strong sponsorship, defensible valuation, and a defined exit strategy
Underwriting Criteria
Metro CCG employs a collateral-first, cash-flow-driven underwriting approach, aligned with private-credit capital standards.
Primary Underwriting Factors
- Property cash flow and sustainability of NOI
- Asset quality, location, and market fundamentals
- Sponsorship experience and execution history
- Leverage, DSCR, and downside protection
- Business plan feasibility and exit strategy
Additional Considerations
- Rent rolls and historical operating statements
- Market vacancy, absorption, and rent growth trends
- Capital expenditure requirements and reserves
- Stress testing of interest rates and cash flow
Appraisal & Valuation Guidelines
All transactions require a third-party MAI appraisal, ordered through approved appraisal management channels.
Valuation Standards
- Appraisals must comply with USPAP standards
- Income approach emphasized for income-producing assets
- Cap rates benchmarked against market data and asset risk
- As-is and, where applicable, stabilized or as-complete valuations reviewed
Metro CCG underwrites to the lower of cost or appraised value and applies conservative valuation haircuts where appropriate.
Pricing & Structure
Loan pricing is transaction-specific and risk-adjusted. Interest rates generally begin at approximately 200 basis points over the current 90-day SOFR or WSJ Prime Rate, depending on asset tier, leverage, sponsorship strength, and market conditions. All loans are secured by commercial real estate collateral.
Private Capital Alignment
By sourcing capital from family offices and UHNW investors, Metro CCG aligns long-term investor objectives with borrower success, enabling flexible structuring, disciplined underwriting, and consistent execution across market cycles.