GAP Investments

Become A Private Lender In Costa Rica

Review Costa Rica real estate-backed lending opportunities through a structured process focused on collateral, documentation, loan-to-value, and lender fit.

Complete Lender Profile
How Lending Works

Private Lending

A structured way to review property-backed lending opportunities.

GAP Investments works with private lenders, capital groups, family offices, and qualified funding partners interested in Costa Rica real estate-backed lending opportunities.

These opportunities are reviewed individually. The focus is not simply finding a borrower. The focus is reviewing the collateral, loan amount, documentation, repayment logic, and whether the opportunity fits the lender’s profile.

Who This Is For

This page is for people who want to place private capital.

Private Lenders

Individuals who want to review selected lending opportunities backed by Costa Rica real estate.

Capital Groups

Groups looking for structured lending discussions with proper review and documentation.

Family Offices

Capital groups that want disciplined exposure to Costa Rica real estate-backed opportunities.

Property-Backed Lending

The property is used as security for the loan.

Property-backed lending means Costa Rica real estate is used as collateral for the loan.

Loan-to-value, often called LTV, compares the loan amount to the estimated property value. For example, if a property is worth 500,000 US dollars and the loan request is 250,000 US dollars, that is a 50 percent loan-to-value.

Lower loan-to-value generally gives the lender stronger collateral coverage, but the full file still needs review.

Lenders usually review:

Property location and marketability
Estimated property value
Requested loan amount
Loan-to-value
Title and ownership structure
Existing liens or mortgages
Use of funds
Repayment or exit strategy

GAP Review Process

Not every opportunity is presented to every lender.

Each lender has different preferences. Some prefer smaller residential property-backed loans. Others prefer commercial, construction, bridge, or larger capital opportunities.

GAP Investments works to understand your capital range, preferred loan size, term preferences, risk comfort, location preferences, and timing before discussing opportunities.

Why lender profile matters:

Capital range affects opportunity fit
Preferred loan size matters
Location preference can matter
Risk comfort is different for every lender
Timing affects how opportunities are discussed

How It Works

The private lender process is simple, but disciplined.

1. Complete Your Profile

Tell GAP about your available capital, preferred loan size, timing, and lending preferences.

2. GAP Reviews Fit

Your profile helps determine what types of opportunities may be relevant to you.

3. Opportunities Are Discussed

When appropriate opportunities exist, they can be reviewed based on structure, collateral, and documentation.

4. You Review Independently

You decide whether an opportunity fits your goals, risk comfort, and capital strategy.

5. Closing Is Coordinated

If a file moves forward, the transaction is coordinated through the proper legal and closing process.

6. Ongoing Relationship

As new opportunities arise, your lender profile helps guide which conversations make sense.

Important Positioning

GAP Investments does not pool investor money.

GAP Investments does not present itself as the lender, does not pool investor money, and does not accept deposits.

Opportunities are reviewed individually and discussed based on lender profile, deal structure, documentation, collateral, and availability.

This means:

No pooled investment fund
No automatic placement of capital
No promise that every lender will see every opportunity
No guarantee that every opportunity will close
Each file is reviewed on its own facts

Lender Profile

Complete your private lender profile.

Use the form below to tell GAP Investments about your capital range, lending preferences, timing, and experience. This helps us understand what types of opportunities may fit your profile.

Your Name (required)

Your Email (required)

Your Phone Number (required)

Total Amount to Invest (in US dollars)

(available within the next 6 months)

Minimum Desired Amount Per Loan (in US dollars)

Maximum Desired Amount Per Loan (in US dollars)

I am ready to invest now and the funds are in Costa Rica (select below):

I have experience investing in Costa Rican mortgages (select below):

I am registered with Hacienda (select below). Borrowers would like to know, such as developers and companies who need to deduct interest expenses. Typically, individual borrowers do not deduct interest expenses on their own properties.

Preferred Locations for Investing

(Press and hold the Shift or Command key for multiple selections)

Preferred Property Types

What is your risk appetite on a scale of 1 to 5? We receive loans of various risk levels (in terms of ability to pay, foreclosure risk, asset liquidity etc).

I am interested in other investments in Costa Rica besides equity loans (select below).

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