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How to Diversify Your Portfolio in Costa Rica

How to Diversify Your Portfolio in Costa Rican with Low-Risk Investments Loans

Gap Investments is a great option if you are an investor seeking to diversify your portfolio in Costa Rica. Gap Investments offers consulting services to assist you in increasing your earnings while protecting your investments. Our expertise in Costa Rican real estate markets allows us to recommend private investors low-risk “Triple-A” mortgage loans with interest rates ranging from 12% to 18%. Here’s how to diversify your portfolio in Costa Rica.

Understanding Triple-A Loans

Triple-A loans are low-risk investments with a Loan-to-Value (LTV) ratio of 50% or less (preferably 30%) and good-paying borrowers. To qualify for these loans, the collateral property must be located in one of our preferred metropolitan areas, including Escazu and Santa Ana, or one of our favorite beach destinations, such as Jacó, Tamarindo, or Santa Teresa.

Competition for Triple-A Loans

Currently, we are competing with newly-arrived wealthy foreigners who have opted to become lenders. Although many new borrowers will claim their property is worth a certain amount and demand a specific interest rate, we perform our due diligence and provide honest assessments. To attract investors, we offer a 12% to 14% interest rate for a $100,000 USD loan on a million-dollar home, subject to due diligence.

Allocating Your Portfolio

We suggest allocating a portion of your portfolio to these low-risk mortgage loans rather than committing a percentage over the next three years. The low LTV ratio of the collateral property ensures greater security, compensating for any loss in points on a 12% loan.

The Benefits of Low Loan-to-Value

Loans with low LTV ratios are less likely to encounter problems. Offering loans at 12% interest rates is an attractive proposition for customers. While most borrowers may not qualify for this rate, we will communicate with them and proceed with the loan procedure at a standard 12% rate. We recommend estimating the percentage of your portfolio you are willing to allocate to these loans.

Determining Your Balance

Finding balance in your investment portfolio is a complex calculation. However, the following factors are crucial:

  • Monthly revenue required from your investment.
  • Whether interest payments cover your living expenses or accrue until the next loan is available.
  • Time factor – if there is a specific time frame to make money.


To diversify your investment portfolio, consider low-risk mortgage loans in Costa Rica. Grupo Gap provides consulting services to help you increase your earnings and protect your investments. By allocating a portion of your portfolio to low-risk mortgage loans, you can benefit from the security of low LTV ratios while earning attractive interest rates.

-Written by Glenn Tellier (Founder of CRIE and Grupo Gap)


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    Frequently Asked Questions

    What is portfolio diversification?

    Portfolio diversification is spreading your investment across different asset classes and investments to reduce the risk of losing all your money in one investment.

    Why is portfolio diversification important?

    Portfolio diversification is important because it helps to mitigate risk and stabilize returns. It can also increase returns over the long term and help you reach your financial goals.

    How can I diversify my portfolio in Costa Rica?

    You can diversify your portfolio in Costa Rica by investing in different asset classes such as stocks, bonds, real estate, and alternative investments. You can also invest in low-risk mortgage loans, which are a great option for diversification.

    What are low-risk mortgage loans? Answer:

    Low-risk mortgage loans are loans with a Loan-to-Value ratio of 50% or less and good-paying borrowers. These loans are secured by collateral property in favored locations and offer a low-risk way to invest your money.

    How can I invest in low-risk mortgage loans?

    You can invest in low-risk mortgage loans through a reputable private lender or consulting service that offers these loans. Grupo Gap is a company that provides consulting services to investors interested in diversifying their portfolios in Costa Rica.

    What are the benefits of investing in low-risk mortgage loans?

    The benefits of investing in low-risk mortgage loans include low risk, stable returns, and collateral security. These loans offer a great way to diversify your portfolio and protect your investment.

    How much of my portfolio should I allocate to low-risk mortgage loans?

    The amount you should allocate to low-risk mortgage loans depends on your investment goals, risk tolerance, and financial situation. It’s important to consult with a financial advisor or consulting service to determine the appropriate allocation for your portfolio.

    What should I consider when investing in low-risk mortgage loans?

    When investing in low-risk mortgage loans, you should consider the Loan-to-Value ratio, the location of the collateral property, the borrower’s creditworthiness, and the interest rate. Conducting due diligence and working with a reputable lender or consulting service is important to ensure a successful investment.

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