FAST ACCESS TO
REAL ESTATE FUNDING

Get the Most Competitive Rates
From America's Private Lender

What We Offer

Do you have a real estate project that needs funding? Learn more about our loan programs and submit your information to speak to a loan specialist.

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Fix and Flip Loans

85%
LTVs
1-4 Family
Multifamily
Mixed-Use

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Rental Loans

80%
LTVs
1-4 Family/Mutlifamily
Town Homes
Condos

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Ground Up/Heavy Rehab

75%
LTVs
Single Family
2-4 Family/Multifamily
Town Homes

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Non Performing Loans

80%
Unpaid Balance
Single Family
2-4 Family
Multifamily

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How it Works

Getting a Loan is as simple as these 5 Easy Steps:
Pre-Approval, Underwriting, Approval, Closing, Funding

Pre-Approval

Track Record of Prior Deals
Proof of credit

Underwriting

Review Track Record
Proof of Funds

Approval

Document Review
Project Confirmation

Closing

Attorney Sign Off
Initiation of Funding

Funding

Sharestates Crowdfunds Investment

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66%

Average
Loan-To-Value

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2,400

Number of
Loans Closed

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2.1B

Volume of
Loans Closed

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923K

Average
Loan Size

Who we Serve

Meet Our Clients

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    Direct Borrowers

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    Direct Borrowers

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    Brokers

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    Brokers

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    Lenders

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    Lenders

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    Investors

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    Investors

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FAQ

Answers to some of the most frequently asked questions.

What do I need to qualify as a borrower with Sharestates?

A borrower (aka “Sponsor”) can be a real estate developer, a real estate rehabilitator, or any other property owner looking for funding. To get a project financed, the developer must be an entity, not a physical person. Sharestates works exclusively with experienced borrowers, who can provide a strong track record. Sharestates runs each borrower’s background and credit for approval. All new projects provided by a returning developer will still be reviewed individually. No projects will be reviewed if the developer's FICO is less than 620.

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What is the Sharestates underwriting process?

Sharestates is very choosy about who we work with. We keep our focus on a unique blend of asset classes and geographic areas. Sharestates puts each real estate investment project through a 34-point underwriting and risk assessment process. The nine underwriting categories we evaluate for each deal are LTV Ratio, Lien Position, Location, Occupancy, Development Phase, Sponsor’s Track Record, Sponsor’s Experience, Sponsor’s Credit Score, and Sponsor’s Personal Guarantee. If the real estate project successfully passes the underwriting process, a rating is determined on the deal’s score.

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Who can invest at Sharestates?

Currently, Sharestates loans are open only to accredited investors and foreign non-U.S. investors. The SEC defines an accredited investor as a high net worth individual with total assets equal to $1 million or more, either alone or with one’s spouse, outside of one’s personal residence, or whose earned income equaled $200,000 (or $300,000 with a spouse) in each of the previous two years with the expectation that the current year’s income will be the same or higher.

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How long does it take to get funding?

On average, it can take from 15-30 days to receive funding for your project. Closings can take place in as fast as 5-7 days, depending on the complexity of the deal. Once you have an approval on your loan application, you will receive a term sheet from one of our senior loan specialists. As each project varies, the steps to closing will then be determined by our senior underwriting and processing teams based on the complexity of your individual deal requirements.

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