Wondering What To Do With Your Cash?
Earn 9% to 16% annually — secured by Costa Rica real estate. First-position mortgage. Terms from 6 months to 3 years. US dollar loans.
GAP Investments connects private lenders with qualified Costa Rica real estate borrowers. Put your capital to work safely, with structure and lender protection built in from the start.
The Lower Your Rate, The More Loans You Receive
Here’s something most people don’t realize about private lending: lenders who offer 9–10% consistently receive more deal flow than lenders asking for 14–16%. More deal flow means your capital stays deployed. Deployed capital earns. Idle capital doesn’t. A lender earning 9% on $300,000 that is always working beats a lender chasing 16% whose capital sits waiting for the next deal.
Higher return potential on more complex situations. Fewer qualifying deals. Better suited for experienced lenders with a clear risk appetite and patience between transactions.
Best-quality borrowers. Excellent LTV. Loans close faster. Your capital is rarely sitting idle. GAP recommends this range for most lenders — steady income, strong protection, and consistent deal flow.
Balanced risk and return. Good deal flow. Suitable for lenders with some private lending experience and a clear understanding of their risk tolerance.
Your Capital Is Secured By Real Property
Every loan is secured by a first-position mortgage registered against Costa Rica real estate. Conservative loan-to-value means the borrower has significant equity at stake — and you have significant protection.
You are the first-lien lender on the property. If the borrower defaults, the property is yours — and it is worth at least twice the loan amount.
A US$200,000 loan is secured by property worth at least US$400,000. That equity cushion protects you even if property values soften.
All loans are in US dollars. No currency risk. Your returns come back in the same currency you invested — straightforward and predictable.
Thousands of North Americans and Europeans own property in Costa Rica and need private financing. That demand keeps deals flowing to GAP lenders.
Led By Someone Who Has Done This For Decades
GAP Investments is led by Glenn Tellier and the Grupo GAP team, who have been structuring private real estate financing in Costa Rica for years. Every deal is reviewed for collateral, structure, documentation, and closing quality before a lender is introduced to it.
You do not need to understand Costa Rica law, the property registry, or the local lending process. GAP handles the due diligence, legal structure, and closing so you can focus on your return.
Glenn Tellier — Founder
Decades of financing experience in Costa Rica private lending, structuring deals that protect lenders first.
Three Steps To Earning In Costa Rica
The process is designed to keep things clear before any capital is committed.
Tell Us Your Appetite
Share how much you want to lend, your preferred rate range, and your ideal term length. GAP matches you to qualified borrowers.
Review The Deal
GAP presents the property, loan amount, LTV, borrower request, and proposed terms. You decide whether to proceed.
Close And Start Earning
GAP handles the legal structure, registration, and closing. You are placed in a first-lien position and begin receiving monthly interest.
Insights for Costa Rica Private Lenders
Practical guides on how lending works, what protects your capital, and how to evaluate opportunities in Costa Rica’s private credit market.
Mortgage or Guarantee Trust: Which Suits the Lender?
Both instruments work; they suit different situations. Here is how to choose the structure that fits your position and the loan.
Investment Opportunities in Central America: Why Costa Rica Is Different
The differences between Costa Rica and its neighbors are material for anyone deploying private capital — here is what separates the market.
Lending for Commercial Real Estate in Costa Rica
Commercial files are different from residential. Here is what changes in the underwriting, the structure, and the risk profile.
Ready To Put Your Capital To Work In Costa Rica?
Whether you are new to private lending or an experienced capital deployer, GAP can match you to the right loan at the right rate. Tell us your range and we will show you what is available.
Contact GAP Investments
View Lending Opportunities
Questions?
WhatsApp: +506 4001 6413 | USA/Canada: 855-562-6427 | info@gap.cr