Gap Investments

At Gap Investments, our mission is to connect people and complete a fair and balanced transaction between those who need financing and those who want to invest.

Gap Investments has years of experience working with private lenders specializing in investing in Costa Rica; with legal, marketing, and development expertise working to maximize their investment returns.

Since 2008, we are 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 will normally provide loans with 6-month to 3-year terms, filling the “gap” quickly and efficiently for qualified borrowers looking for 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 changed significantly over the last decade, and Gap Investments has emerged as a conduit for you to access qualified investment opportunities.

Our lenders offer competitive interest rates based on the loan-to-value (LTV) ratio for Costa Rica, with an average rate of roughly 12-16% per year. 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 2 more months of interest in addition to the balloon payment.

Check the full list of the services we provide HERE.

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.

Glenn Tellier is a highly regarded finance industry professional with a track record of over 25 years of experience in lending, investments, and financial planning. As the founder of Grupo Gap, Glenn has earned a reputation for providing expert advice and guidance to numerous clients, helping them make sound financial decisions and achieve their goals.

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.

Looking to borrow money? – Click HERE.
Looking for Real Estate? – Click HERE.
Need Residency in Costa Rica? – Click HERE.