FAQ

Our programs are designed for real estate investors and business-purpose borrowers. Loans are not available for primary residences, owner-occupied properties, or consumer use.

We lend nationwide, with certain restrictions in select states. Please contact us to confirm eligibility for your specific market.

Metropolitan Financial Group combines deep real estate expertise with the backing of a stable institutional capital base. We offer a responsive, relationship-driven approach, flexible loan structures, and transparent terms to help investors move quickly and confidently. Our sole focus is on business-purpose residential real-estate financing, so you can count on specialized knowledge and a streamlined process tailored to your investment goals.

We can review your credit, liquidity, and experience to discuss potential eligibility and terms in advance. However, a formal approval and commitment to fund require an identified property and a complete loan submission.

Depending on borrower experience, credit profile, and project details, we can offer up to 90% LTC on qualified transactions. Actual leverage is determined through underwriting.

ARV is established through an independent appraisal that incorporates your detailed renovation scope and comparable sales of similar upgraded properties. The lender makes the final determination of ARV based on this analysis.

Most bridge loans require a minimum FICO score of 660–680. Higher credit scores may be needed to access higher leverage or the most competitive terms.

Yes. We do not finance rural properties, non-warrantable condominiums, condotels, mobile or manufactured homes, mixed-use properties, or properties with unpermitted construction.

Yes. We offer ground-up construction financing for experienced builders and developers. All projects must be fully entitled and permitted prior to closing.

Borrowers should demonstrate a proven track record of successfully completing similar projects. The required experience level depends on the size and complexity of the project and impacts pricing and leverage.

Yes. Approved permits and complete construction plans are required before funding can occur.

A minimum DSCR of 1.05 is required, calculated using in-place leases or market rent as determined by an appraisal. In some cases, higher DSCRs may be required depending on credit, leverage, and property location.

Depending on borrower experience, credit profile, and project details, we can offer up to 90% LTC on qualified transactions. Actual leverage is determined through underwriting.

No. Our rental loan programs are designed for stabilized, long-term rental properties only. Short-term or vacation rentals are not permitted.

Closing timelines vary depending on the product type and the completeness of your documentation. With all required materials in place, bridge loans can often close in as little as 7–10 business days. Rental loans typically close within 3–4 weeks.

Common requirements include the purchase contract, renovation budget, entity formation documents, bank statements, and a recent credit report. Additional documentation may be requested during underwriting.

Rates depend on the product, borrower profile, credit score, and leverage requested. For experienced investors with strong credit, bridge loan rates typically start in the 9–11% range. Rental loan rates generally start in the high 7% to low 9% range. Actual pricing is determined case by case and may be higher depending on underwriting.

Bridge loans do not carry prepayment penalties. For rental loans, prepayment penalty options are available, including no-penalty structures, subject to pricing adjustments.

For rental loans, properties must be in C1–C4 condition with no deferred maintenance. For bridge and construction loans, all repairs and improvements must be included in the project budget. Properties requiring significant repairs may need reinspection prior to funding.

In select cases, we can work with foreign national investors, subject to additional credit, leverage, and documentation requirements.