INVEST IN COMMERCIAL REAL ESTATE MORTGAGE DEBT AND TRUST DEEDS
GELT’S APPROACH TO MORTGAGE LENDING
At Gelt Financial, we believe that, when done properly, mortgage lending can be an attractive and secure investment.
To this end, we utilize the following principals when underwriting loans:
- Conservative Loan-To-Value Limits. Loan-To-Value (LTV) simply means the amount of the loan divided by the value of the property. Lower LTVs mean lower risk, as there is greater collateral value securing the loan. While Wall Street loans of the mid-2000s were often done at 100% LTV and banks still routinely make 95% LTV loans on owner-occupied properties today, Gelt makes loans where the LTV at the completion of any improvements will be no greater than 65%. Overall, we target a portfolio LTV of no more than 50%.
- Focus on Repayment. For each loan, we focus intently on how we will be repaid, even if the borrower defaults.
- Focus on Safety over volume. We have been in all economics markets and learned that it’s much better to focus on risk aversion over volume. So we are very focused on this.
You can invest in a single mortgage or diversify your portfolio.
Investors can purchase single whole notes secured by real property. The investor owns the entire note and the borrower pays the investor monthly mortgage payments which are collected by a servicing agent and distributed to the investor every month.
Fractional notes are single whole notes secured by real property that is owned by 2 to 10 investors. Each investor owns an undivided interest in the note and receives a pro rata share of the monthly mortgage interest that is collected by a servicing agent and distributed to the investors every month.
Transparency is an important aspect of any investment. Simply put, it’s important for you to know what type of assets are securing your investment and that there are no surprises later on. At Gelt our goal is to provide complete transparency and, as a result, you review the complete underwriting and due diligence file with all documents and collateral information in it before you make a decision about investing.
In it is Financial Statements, Proof of Income, Credit, Leases, Appraisals, Title Reports, Insurance Underwriting analysis of the risks and the loan file. Once the loan is closed you also have access to detailed loan summaries, payment histories, project updates and photos, copies of key loan documents (such as Notes, mortgages, appraisals, etc.), monthly financial reports
If you are a qualified investor, that’s suitable for this type of investment we will send to you an investment opportunity for you to review. If you don’t like what you see you don’t invest. You only invest after you review and approve each deal.
Gelt Financial offers you more than 28 years of successful experience, high underwriting standards, and rigorous due diligence.
For more information please contact us Info@Geltfinancial.com
ABOUT GELT FINANCIAL
Gelt Financial uses its vast experience and streamlined process to provide its clients
with competitive commercial financing while ensuring a smooth closing.
WHAT MAKES GELT FINANCIAL DIFFERENT
Gelt Financial is prepared to guide you through the treacherous pitfalls of commercial financing. With former banking executives leading the team, Gelt is uniquely qualified to secure the financing you need.
- Competitive Rates, Flexible Terms, and Quick Closings
- Common Sense and Fair Underwriting
- Loan Programs For All Financing Situations
- Over 25 Years In Business
Gelt does not shy away from complicated and difficult financing situations. With Gelt being in business for the past 25 years, we are eager and confident to tackle any obstacle that comes our way.
Gelt’s goal is to secure a competitive rate and flexible term financing for every single client. We strive to exceed all expectations by working hard, communicating effectively, and providing a quick closing.
WHAT CLIENTS SAY ABOUT GELT FINANCIAL
Gelt Financial is proud of the long lasting relationships it has formed with its clients over the past 25 years in business.
Below are just a couple of testimonials from some of our loyal clients.
“I have been doing business with Gelt Financial for several years. In that time together we have closed some of the most difficult deals I’ve ever encountered. Exception after exception, Gelt is quick, effective and genuine in their efforts.”
“I have had only the best working relationship with Gelt. You have a great team who knows how to work with the small investor and knows what it takes to make the deals work. I like their conservative and meticulous approach as well as their ability to assist in all facets of a transaction.” -Greg M.
Gelt Financial understands that everyone is in an unique situation which requires an unique solution. We pride ourselves on thinking outside of the box to secure even the most difficult financing. Below are just some of the many benefits we offer.
HOW MAY WE ASSIST YOU?
Gelt Financial is here to help you with
your money lending needs.