Gap Investments
At Gap Investments, our mission is to connect people and facilitate fair and balanced transactions between those who need financing and those who want to invest.
Gap Investments has years of experience working with private lenders, specializing in investments in Costa Rica. Our team combines legal, marketing, and development expertise to maximize investment returns.
Since 2008, we have been proud to say that we’ve helped many people achieve their goals with strategic financing options.
Pursuing a traditional bank loan can be highly time-consuming and expensive, with double-digit interest rates and an enormous amount of paperwork. Private lenders typically offer loans with terms ranging from 6 months to 3 years, filling the “gap” quickly and efficiently for qualified borrowers seeking short-term solutions.
Gap Investments has well-trained professional consultants and analysts acting in the best interest of borrowers and the investors we represent. The industry has undergone significant changes over the last decade, and Gap Investments has emerged as a conduit for accessing qualified investment opportunities.
Our lenders offer competitive interest rates based on the loan-to-value (LTV) ratio for Costa Rica, with an average annual rate of approximately 12-16%. As a general guideline, subject to variations, an LTV ratio of 10% might correspond to an interest rate of 12%, a 30% LTV might be associated with a 14% interest rate, and an LTV between 40% and 50% could lead to an interest rate of approximately 16%.
The borrower is responsible for covering closing costs comparable to those in traditional banking, including their standard expenses and potential undisclosed fees, particularly in Costa Rica. The total closing costs Gap charges are approximately 8%, covering all associated expenses such as consulting and lawyer/notary fees to place the private mortgage on the property. These costs are deducted from the total loan amount at closing.
Additionally, we recommend a 1-year pre-payment penalty (or interest guarantee) to our lenders, which means that at least 1 year of interest is guaranteed. For example, if a borrower were 10 months into a loan and wanted to pay it off, they would only owe two more months of interest in addition to the balloon payment.
Lawsen Tellier, the Operations Manager at Grupo Gap, is a dynamic force in Costa Rica’s financial and real estate sectors. He embarked on his professional journey in his late teens, accompanying his father, the founder of Gap, to intricate loan site inspections.
With over a decade of experience, Lawsen has mastered the meticulous 18-step process at Gap Equity Loans, ensuring quality and security for private investors, from initial vetting to ensuring accurate National Registry recordings. Simultaneously, Lawsen has been a pivotal figure at GAP Real Estate, leveraging his understanding of property valuation and legal intricacies.
His dual roles have given him a unique vantage point, bridging the gap between loan lending and real estate, making him an invaluable asset to the GAP conglomerate. As he continues to shape the future of GAP’s diverse ventures, Lawsen’s journey from his late teens to a seasoned professional in Costa Rica stands as a testament to his dedication, expertise, and the legacy of the GAP companies.
Steven Stewart brings over 35 years of international expertise in real estate development, capital structuring, and infrastructure finance to Grupo GAP. As Strategic Advisor, he plays a key role in guiding large-scale projects and advising on high-value loan structuring for GAP Investments and GAP Equity Loans.
A permanent resident of Costa Rica since 2004, Steven has helped shape a range of high-impact developments across the country, providing financial strategy and project oversight for residential, commercial, and hospitality ventures. His background includes managing complex capital stacks, working alongside local architects, construction firms, and financial institutions to align investor interests with borrower needs.
Before joining Grupo GAP, Steven led major initiatives in Canada and Latin America, managing a $300 million investment portfolio and advising on multiple Limited Partnerships. In Costa Rica, he has collaborated with top-tier firms, including Edificar, Constructora Meco, and Arquitectos y Diseños. His insights help ensure GAP-funded projects are well-structured, financially viable, and strategically aligned with investor goals.
Steven is fluent in English and Spanish and is highly regarded for his ability to navigate Costa Rica’s regulatory and financial landscape while delivering practical, on-the-ground execution.
Glenn Tellier is a highly regarded finance industry professional with over 25 years of experience in lending, investments, and financial planning. As the founder of Grupo Gap, Glenn has established a reputation for providing expert advice and guidance to numerous clients, helping them make informed financial decisions and achieve their objectives.
Glenn studied at the prestigious University of British Columbia, where he earned his mortgage broker’s license in the mid-90s. His dedication to excellence in his field is further demonstrated through his extensive training and experience, making him a trusted and highly sought-after professional.
Glenn is committed to providing his clients with the highest quality of service and is passionate about enhancing the country’s well-being by offering expert financial advice. His vast experience, industry knowledge, and dedication to excellence make him an invaluable asset to Grupo Gap.
Begin Your Costa Rican Journey with Gap Investments
Whether you’re exploring investment opportunities or need financing solutions, our team is ready to guide you every step of the way.
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