Earn Up To 24% In Costa Rican Real Estate

In today's world the value of assets is not always obvious. It often has to be unlocked through financial and human capital -- and this is the core purpose of Gap Investors Ltda. Gap Investors Ltda focuses on unlocking the value in Costa Rican property development to earn a high Return on Investment (ROI) for investors.

Gap Investors Ltda specializes in brokering syndicated loans, which are loans offered by a group of lenders, to provide funds for a borrower to start a real estate development project on properties with high potential (known as latent value) in Costa Rica.

Gap Investors Ltda is NOT an investment fund. You will not be investing in a fund where we decide the investments -- you are investing a specific project in Costa Rica. All mortgage contracts are between the borrower and a holding company owned by the lenders, and each individual lender is named in the contract for additional protection. The strength of Gap Investors is in identifying the projects of high latent value, presenting them to the investors, and brokering the loan.

The goal of this form of lending is to get development plans off the ground. These loans are not usually given by risk-averse banks without a significant amount of collateral and high income. We enter the market with a group of enterprising lenders willing to provide short-term funding to get the development to the point where banks will be open to financing.

Because of the nature of the loan, the interest rates are typically higher than regular bank interest rates, and the loan term is typically much shorter. Collateral is provided in the form of the borrower's property, which is transferred to a trustee in trust to a holding company. This company is owned by the lenders in proportion to the funds invested.

Gap Investors Ltda. takes the complexity out of the process by:

1. Forming a business structure conducive to group investing.
2. Providing full financial transparency, including providing a good loan-to-value ratio (generally under 60%), disclosed to all investors in the group.
3. Your investment is protected by a temporary title transfer to a registered trustee (a process known as "fideicomiso de guarantía in Costa Rica), in trust to a company that is owned by the group of investors. This holding company is formed solely for an individual mortgage and is used exclusively for holding the mortgage and nothing else.
4. Providing liquidity options such as the transfer of your investment to an available unit in the development property.
5. Being properly regulated by the laws of Costa Rica.
6. Choosing reputable professionals and advisors: attorneys, accountants, title insurance companies, banks, appraisers, surveyors, and developers.
7. Properly managing the risks involved with high interest investments.

Why Invest As A Group?

Why group real estate investing? History has proven again and again that the people who thrive are the ones who work together.

Group real estate investing maximizes financial leverage. By gaining the respect usually reserved for large and institutional lenders, a real estate investing group can get higher interest rates and better loan terms.

The majority of all millionaires at one point formed an alliance with other people of the same vision to ensure their success. Perhaps it is time you did, too? If so, contact us now.

Earn Monthly Income

The main advantage of mortgage-based investments is that unlike many other forms of investment, they earn a stable monthly interest payment. "High-interest" savings accounts at the bank offering around 3% per annum also provide a monthly interest payment but as you can see from the table below, real estate bridge loans can earn you much more per month:

Interest	$100,000	$250,000	$500,000	$1,000,000
3%	$250	$625	$1,250	$2,500
12%	$1,000	$2,500	$5,000	$10,000
18%	$1,500	$3,750	$7,500	$15,000
24%	$2,000	$5,000	$10,000	$20,000

At an 18% interest rate, an investment of only $100,000 can generate $1500 a month in earnings. That can make a good supplement to your income, or in a country such as Costa Rica, where the average monthly wage is $500, you can live fairly well with that kind of income, while enjoying the regular amenities that you are used to back home.