Gelt Financial new expanded non bank commercial mortgage program

Loan Amounts: $250,000.00 – $3,000,000.00

1st Mortgages

Loan to Value: 70%

Amortizations: Up to 30 years

Terms: Up to 5 years,

Rates: 9%- 12%

Prepayment: 12 months on 5 year term

Points: starting at 2%

Property Type: commercial and investment income producing

Credit: Commonsense underwriting and storied loans

No income verification considered

 For more information please call 561-221-0900 or email us at 

Invest in Commercial Real Estate Mortgage Debt and Trust Deeds

Safe, conservative investments backed by local real estate.

If you are an accredited investor, Hedge Fund or Family office looking to invest in commercial first mortgages on real estate with above market returns we offer a complete turnkey solution for you to invest in private commercial real estate mortgages at low loan to values.

If you are a private investor looking to invest in real estate but don’t possess the know-how or time required to acquire investment properties, mortgage note investments are an excellent alternative. Mortgage note investments can offer attractive annual returns through a more passive investment vehicle. Every mortgage note is secured by desirable properties, and offer potentially high annual yields that can sometimes outperform the ROI achieved from investment property ownership. Our management team has over 30 years of combined experience in the real estate industry, arranging private money loans and working with private investors. We have worked with a multitude of investors and have enjoyed building long-standing relationships.

Private investors earn high annual yields by investing in private mortgages, secured by first mortgages on real estate. We originate and service commercial mortgages and fund these loans with private investor capital.  If you are an accredited investor and seeking attractive returns, please email to learn about investment opportunities. For those new to mortgage note investing, mortgage note investments are a great alternative to purchasing investment real estate.

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

Reasons to Invest in Mortgages and Trust Deeds

  • Targeted net returns between 8%-14%

  • Returns distributed monthly
  • Investments secured by first mortgages on low leveraged commerical and investment real estate

  • Exposure to real estate without management hassles

  • Passive income

Single Notes

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.

Fractionalized Notes
Fractional notes are single whole notes secured by real property that are 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