🏙️ Metropolitan Commercial Capital Group
🌎 Nationwide Commercial Real Estate Financing Solutions
Metropolitan Commercial Capital Group (“Metro CCG”) provides value-based commercial real estate financing solutions backed by family offices, wealth management firms, accredited investors, mortgage note investors, and institutional capital relationships nationwide.
Metro CCG delivers comprehensive loan origination, underwriting, syndication, closing, funding, servicing coordination, and capital placement solutions for the acquisition, refinancing, repurposing, renovation, redevelopment, stabilization, and improvement of income-producing properties throughout the United States.
🔹 Financing Programs
- 🏘️ Residential Borrower Grade Program — streamlined small-scale residential investment financing
- 🏢 Commercial Borrower Grade Program — institutional and large-scale commercial real estate financing
🏘️ Residential Borrower Grade Program
💼 Small-Scale Residential Investment Financing
📍 For Properties Between $250,000 and $1,999,999
The Residential Borrower Grade Program is designed for qualified real estate investors, smaller borrowing entities, and residential income-property operators seeking expedited financing with simplified underwriting requirements.
🏠 Eligible Property Types
- Duplexes
- Triplexes
- Fourplexes
- Small multifamily properties
- Workforce housing
- Apartments-over-retail mixed-use properties
- Short-term rental portfolios
- Corporate and furnished rental properties
💰 Residential Financing Features
- 💵 Loan amounts from $250,000 to $1,999,999
- 📈 Up to 90% Loan-to-Value (LTV)
- 🏗️ Up to 100% Loan-to-Cost (LTC) for qualified value-add projects
- 🔥 Up to 95%–100% of purchase price for qualified transactions supported by acceptable appraisal valuation and stable cash flow
- 🌉 Interest-only bridge financing available
- 🏦 Long-term amortized financing available
- 🔒 Primarily non-recourse structures available on qualified transactions
- 📊 Floating-rate structures based on:
- 90-Day SOFR spreads
- Up to 500 basis points over WSJ Prime Rate ceiling
- 🧾 Soft credit inquiry at initial application
- ✅ Minimum 550 FICO score
- ⚡ Borrowers with 500+ FICO scores may qualify with:
- Qualified co-signer or guarantor
- Personal guarantee
- Strong global cash flow
- Performing residential income-producing property portfolio
- Minimum one year of verifiable ownership or management experience
- 📉 DSCR-based underwriting available
- 📌 Minimum recommended 1.20 DSCR
- 🚀 Target closings within 10–14 business days
- 💳 Loan origination fees generally range from 2% to 5%
- 📦 Eligible closing costs may be rolled into the loan amount
- 🛠️ Interest reserves may be added to support:
- Lease-up
- Ramp-up
- Renovation
- Repositioning
- Stabilization phases
📋 Simplified Underwriting Requirements
- Completed loan application
- Government-issued identification
- Recent bank statements
- Proof of liquidity and reserves
- Current leases or rent roll
- Purchase contract or refinance payoff statement
- Organizational documents for:
- LLCs
- LPs
- GPs
- Partnerships
- Corporations
- Property insurance information
- Real estate schedule or portfolio summary (if applicable)
🧪 Third-Party Reports & Due Diligence
Borrowing entities are responsible for costs associated with required third-party reports and due diligence items, including:
- 🏠 Property inspections
- 📍 General real estate appraisals
(Non-MAI appraisals acceptable for 2–4 unit programs) - 📐 Surveys
- 🌱 Environmental reports
- 🏗️ Engineering and condition assessments
- 🗺️ Zoning and permitting reviews
- 🔨 Renovation and improvement permitting requirements
- 📑 Insurance, title, and compliance-related reports
🏢 Occupancy & Leasing Considerations
Standby, waitlisted, pre-leasing, or release commitments from creditworthy tenants or occupants may be required in certain housing markets or specialized housing sectors, subject to underwriter discretion.
🔑 Property Management Requirements
Metro CCG may require borrowers to retain experienced third-party property management companies, licensed local realtors, or qualified housing operators if underwriting determines additional operational support is necessary.
📌 This may apply when:
- Credit history is insufficient or marginal
- Management experience is limited
- Borrowers lack sufficient time or operational capacity
- Additional leasing or stabilization oversight is required
- Market conditions warrant professional management support
🏘️ Approved Management Services May Include:
- Property management agreements
- Leasing and occupancy reporting
- Tenant screening and placement services
- Wait-listing and tenant pipeline management
- Rent collection procedures
- Market leasing plans
- Financial reporting and oversight
- Maintenance coordination and vendor management
👥 Preferred Residential Borrower Profiles
- Real estate investment LLCs
- Professional landlords
- Multifamily operators
- Real estate investing partnerships
- Limited partnerships (LPs)
- General partnerships (GPs)
- Joint ventures
- Experienced fix-and-hold investors
- Portfolio owners and repeat borrowers
🏢 Commercial Borrower Grade Program
🌆 Large-Scale Commercial Real Estate Financing
📍 For Transactions of $2 Million and Greater
The Commercial Borrower Grade Program is structured for institutional borrowers, developers, syndicators, operators, and large-scale investment entities requiring sophisticated underwriting and institutional execution capabilities.
💼 Commercial Financing Parameters
- 💰 Loan amounts from $2 million to $150 million
- 📈 Up to 90% LTV
- 🏗️ Up to 100% LTC
- 🔥 Up to 95%–100% of purchase price for qualified transactions supported by acceptable appraisal valuation and stable cash flow
- 🌉 3–7 year interest-only bridge financing
- 🏦 15–30 year fully amortized financing
- 🔒 Primarily non-recourse structures available
- 📊 Floating-rate structures based on:
- 90-Day SOFR spreads
- Approximately 5.75% baseline
- Up to 500 basis points over WSJ Prime ceiling
- 🚀 Target closings within 10–14 business days
- 💳 Loan origination fees generally range from 2% to 5%
- 📦 Eligible closing costs may be rolled into the loan amount
- 🛠️ Interest reserves may be added to support:
- Lease-up
- Redevelopment
- Renovation
- Repositioning
- Stabilization periods
🧾 Commercial Borrower Requirements
- Demonstrated commercial real estate ownership experience
- Proven acquisition, development, or asset management track record
- Strong net worth and post-closing liquidity
- Institutional-quality reporting and documentation
- CPA-prepared or audited financial statements may be required
- YTD balance sheets and operating statements may be required
- Standard bank-grade KYC / AML documentation may be required
- Experienced sponsorship and management teams preferred
🧪 Commercial Third-Party Reports & Due Diligence
Borrowers are responsible for costs associated with required third-party reports and due diligence items, including:
- 🏢 Property inspections
- 📍 MAI appraisals
- 📐 ALTA surveys
- 🌱 Environmental assessments (Phase I / II)
- 🏗️ Engineering reports
- 📊 Feasibility studies
- 🗺️ Zoning and permitting reviews
- 🔨 Redevelopment and renovation permitting
- 📑 Insurance, title, legal, and compliance reports
- 📈 Market studies and operational reviews
🏙️ Eligible Commercial Asset Classes
🏘️ Tier 1 — Residential & Housing Assets
- Multifamily communities
- Workforce housing
- Mixed-use apartments-over-retail
- Senior housing
- Student housing
- Veteran housing
- Corporate housing
- Extended stay housing
🏨 Tier 2 — Hospitality & Lodging
- Hotels
- Resorts
- Motels
- Boutique hospitality properties
- Extended stay lodging
- Vacation rental portfolios
🏭 Tier 3 — Commercial & Institutional
- Office properties
- Retail centers
- Industrial & warehouse facilities
- Self-storage
- Medical facilities
- Academic & institutional properties
- Single-tenant net lease assets
📍 Examples Include:
- Restaurants
- QSRs
- Automotive repair centers
- Car washes
- Pharmacies
- Convenience stores
- Veterinary clinics
- Fitness centers
- Childcare facilities
- Franchise locations
- Medical tenants
🎬 Tier 4 — Recreation, Entertainment & Event Assets
- Sports complexes
- Entertainment venues
- Convention centers
- Event facilities
- Recreational attractions
- TV & motion picture sound stages
- Film and television production studios
- Video production studios
- Media production campuses
- Broadcasting facilities
👥 Preferred Commercial Borrower Profiles
- Institutional real estate operators
- Commercial real estate developers
- Real estate investment LLCs
- Real estate investing partnerships
- LPs and GPs
- Joint ventures
- Private investment groups
- Experienced syndicators and sponsors
- Portfolio owners and repeat borrowers
🔄 Loan Servicing & Payment Administration
📑 Applicable to Both Programs
Third-party loan servicing companies retained and engaged by Metro CCG may administer ongoing loan servicing functions for loans originated, funded, syndicated, or closed through Metro CCG.
🏦 Servicing Responsibilities May Include:
- Collection of principal and interest payments
- Property tax escrow administration
- Insurance escrow administration
- PITI payment processing
- Reserve account administration
- Borrower payment tracking
- Investor remittance processing
- Delinquency monitoring
- Annual insurance and tax verification
Third-party servicing companies may remit principal and interest payments and servicing-related reporting to Metro CCG mortgage note investors, participating lenders, family office capital partners, syndication participants, and servicing stakeholders.
🚀 Closing & Funding Overview
- 🌎 Nationwide lending platform
- 🤝 Relationship-driven underwriting approach
- 💼 Family office, wealth management, accredited investor, mortgage note investor, and institutional capital relationships
- 🏦 Direct origination, syndication, servicing coordination, and funding solutions
- 🛠️ Flexible financing structures for:
- Acquisition
- Refinance
- Redevelopment
- Repositioning
- Renovation
- Stabilization
- Property improvements
⭐ Metropolitan Commercial Capital Group
Flexible • Relationship-Driven • Nationwide Commercial Real Estate Financing
Metro CCG is committed to delivering flexible, relationship-driven capital solutions with institutional execution capabilities for both small-scale residential investment properties and large-scale commercial real estate transactions nationwide.