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Invest $100,000 now and receive $1000 per month. That's a yearly profit of $12,000 USD!

Get Great Returns on Your Terms!

Make consistent returns on your safe investment every month by making a home equity loan in Costa Rica, secured by a 1st-degree mortgage.

Gap Investments advisors help homeowners with equity loans to renovate their homes, buy a new car, or expand their business.


Loan amounts can be as little as $50,000 USD up to $3,000,000 USD and above.

Gap Investments consultants deal with a wide range of equity loans between borrowers and lenders. Private lenders we work with can fund small home equity loans, as low as $50,000 USD. The money can be used for home improvement, vehicle purchases, education, or financing the borrower’s small business, typically secured by a 1st-degree mortgage lien. Private investors also provide financing for large development projects. For larger loans, the collateralized property is usually held in trust for the loan duration.


Gap Investments is NOT an Investment Fund

You will not be investing in a fund where other people decide where the money goes — you are lending to a specific borrower in Costa Rica. All mortgage contracts are between the borrower and the lender. The strength of Gap Investments is in identifying high-value loans, evaluating the risk, presenting them to investors, and providing consulting services regarding the loan.

Given the current wait times for banks to approve or not approve a loan, people are looking at other borrowing options, which provide enterprising private lenders with the opportunity to finance at higher interest rates. Gap Investments generally offer loans from 6 months to 3 years for home equity loans from borrowers to private lenders. Collateral is provided in the borrower’s property through a mortgage lien or holding the property in the trust.

Gap Investments operates by:

  1. Providing full transparency for its operations.
  2. Requiring an excellent loan-to-value ratio (all loans are usually about 50% or less of the appraised value, with rare specific exceptions) disclosed to lenders.
  3. Make sure investors are protected either by a mortgage lien in the case of smaller home equity loans or a title transfer in trust in the case of larger loans.
  4. Checking that the property has been appropriately permitted under the laws of Costa Rica.
  5. Choosing reputable professionals and advisors, such as attorneys, accountants, title insurance companies, banks, appraisers, surveyors, and developers.

Check the full list of the services we provide HERE.

The Collateral: Real Estate

The risk of lending on home equity loans is quite low. Gap Investments considers loans up to 50% of the appraised value of a property. Since the loan is a debt against the property, when the term is over and the principal is due, if the borrower cannot repay, the lender can choose to force the sale of the property to cover the debt. Gap Investments can help assist the lender in foreclosure proceedings or execution of trust guaranty on the property. The lender may opt to purchase the property with the funds owed — at that point, the lender becomes the owner and has full decision-making capabilities, and may proceed any way they wish. This is why lenders choose Gap Investments advisors.

For more information about how we evaluate properties for loans, click HERE.

To find out more about the loan process step by step, click HERE.

For our FAQ page, click HERE.

Are you looking to borrow money? Click HERE.