Metro CCG – Multifamily Wraparound Acquisition Loan Program
Metro CCG is proud to introduce a Multifamily Wraparound Acquisition Loan Program, a proprietary high-leverage financing solution engineered for qualified multifamily properties and experienced owner-operators and developers seeking to maximize capital efficiency while minimizing out-of-pocket equity.
This program provides up to 100% Loan-to-Cost (LTC) financing through a structured wraparound mortgage platform, blending senior and subordinate debt into a single streamlined payment structure. The program is specifically designed to support acquisition, repositioning, stabilization, and long-term hold strategies for value-add and transitional multifamily assets.
Wraparound Financing Structure – 75% First / 25% Second Mortgage Combination
Metro CCG’s wraparound structure combines two loans into one cohesive financing solution:
- 75% First Mortgage (Senior Loan Position)
- 25% Second Mortgage (Metro CCG Wraparound/Subordinate Position)
- Total Combined Financing: Up to 100% LTC
The first mortgage represents the senior lien position and typically reflects up to 75% of total project cost or stabilized value, structured with conventional long-term loan characteristics.
The second mortgage, originated by Metro CCG, “wraps” around the senior loan and supplies the remaining 25% of the capital stack, effectively eliminating the need for traditional equity injection for qualified borrowers.
Borrowers make one consolidated monthly payment to Metro CCG. Metro CCG, in turn, services the underlying senior mortgage internally. This integrated structure provides:
- Maximum leverage not available through conventional lending
- Substantially reduced equity requirements
- Flexibility for transitional and value-add assets
- Accelerated speed to close
- Interest-only capability during stabilization
Upon completion of the stabilization period, the combined wraparound loan converts into the long-term advertised terms.
Loan Structure & Interest Terms
- Total Financing: Up to 100% Loan-to-Cost
- Senior / Subordinate Split: 75% First Mortgage / 25% Second Mortgage
- Interest-Only Period: Available during acquisition and stabilization
- Initial Stabilization Pricing (First 90 Days):
- WSJ Prime + 2.00% to Prime + 3.00%
- Post-Stabilization Long-Term Rate:
- WSJ Prime + 1.00%
- Amortization / Term Options:
- 15, 20, 25, and 30-year terms available
- Loan Type: Wraparound acquisition to permanent structure
Eligible Property & Borrower Profile
Property Type:
- Multifamily assets (stabilized, value-add, light reposition, or transitional)
Borrower Profile:
- Experienced owner-operators
- Professional developers
- Proven multifamily track record
- Strong operational and management history
Permitted Uses of Funds
- Acquisition financing
- Repositioning and renovation
- Lease-up and stabilization
- Refinance execution
- Portfolio expansion and scaling
Program Advantages
- True 100% LTC financing through a structured first/second mortgage combination
- No traditional cash-equity injection required for qualified sponsors
- Interest-only payment flexibility during transition and stabilization
- Competitive long-term pricing after stabilization
- Streamlined underwriting for experienced operators
- Ideal for value-add and underperforming assets
- Preserves borrower liquidity and capital reserves
- Long-term amortization options up to 30 years
- One payment structure with fully integrated servicing
Ideal Transaction Scenarios
- Acquisition of undervalued or mismanaged multifamily properties
- Capital for repositioning and operational improvements
- Transitional lease-up strategies
- Bridge-to-permanent recapitalization
- Portfolio optimization for experienced sponsors
- Situations where conventional lenders fall short on leverage
Strategic Benefit of the Metro CCG Wraparound Program
Metro CCG’s Wraparound Acquisition Loan Program is purpose-built to bridge the gap between acquisition and permanent financing, allowing qualified sponsors to:
- Maximize leverage
- Preserve investor and sponsor capital
- Improve return on equity
- Execute value-add business plans efficiently
- Secure predictable long-term debt after stabilization
Through the 75% senior / 25% subordinate wraparound structure, borrowers achieve full-stack financing with a single lender relationship and a single debt service payment.