Private Real Estate Loans in Cartago
Get capital against your Cartago property in days. Hard money loans with 12-16% investor returns and conservative LTV ratios.
Avg. Property Value
$180,000
Common Loan Range
$20,000 – $100,000
Maximum LTV
50%
Market Overview
Cartago is one of the most stable property markets in the Central Valley — multi-generational family homes, strong agricultural and industrial activity. For owners with clear deed and survey on record, private lending is a real alternative when banks decline due to age, informal income, or credit history.
Check Your Eligibility
Enter your property value to see if you qualify for financing in Cartago.
Estimates only. Final terms depend on appraisal, underwriting, and the executed promissory note.
Frequently Asked Questions
How long does a hard money loan in Cartago take to close?+
The typical timeline is 7-14 business days from application to disbursement. It includes an independent appraisal, legal review, and mortgage registration at the Registro Nacional. That's much faster than a traditional bank loan, which can take 2-6 months.
What documents do I need to apply?+
You'll need a registered deed (escritura), current cadastral survey (plano catastrado), recent property tax receipt, and your ID (cédula or DIMEX). For corporate borrowers, also cédula jurídica and the registry certification. If your property is in our TicaLuxury database, we pre-fill many fields automatically.
What's the maximum LTV and typical rate?+
Maximum LTV is 50% of appraised value (conservative collateral coverage). Interest rates range 12-16% annually, with terms of 6-36 months, typically interest-only with a balloon payment at maturity. The origination fee is 4-5%, considerably lower than the 8% charged by GAP Investments.