Gain access to loans made to our proven, repeat borrower base.
Sharestates is your firms’ source for quality paper that meet your credit needs. We originate, process, underwrite, and close loans, and market these notes to investors. Yields vary from 10-12% on RTL loans and 7-8% on DSCR loans, and loan purchasing can happen in bulk or forward-flow transactions.
A quick look at institutional investing at Sharestates. View detailed information on our statistics page.
Average loan size
Average LTV
Average ARV
Total Volume Closed
Average Return – RTL
Average Return – DSCR Loans
Loans w/ Repeat Borrowers
*Based on loans originated since 2021
Sharestates offers a wide variety of loan programs. We are here to work with your strategy and can sell loans through both bulk and flow delivery.
Fix & Flip, Ground-Up and Bridge Loans
Loan Buying Options
Loans + Fractional Participation
→
Gross Coupons: 10-13%
Net to Investor: 9-12%
Term: 12-24 months
LTV: 80%
Loan Sizes: $100k – $75 Million
Loan Purposes: Purchase, Development, Cash-out
Property Types: SFR, 2 – 4 Family, Multi Family, Mixed Use and Small Balance CRE
Development Phases: Light + Heavy Rehab, Ground-up Development
Loan Buying Options
Whole Loans
→
Gross Coupons: 8 – 10% (sold at a premium)
Term: 30 years w/ 5, 7 and 10 year ARM and FIXED options
LTV: 80%
Loan Sizes: $100k – $10 Million
Loan Purposes: Purchase, Refi, Cash-out
Property Types: SFR, 2 – 4 Family, Multi Family, Mixed Use and Small Balance CRE
Development Phases: Stabilized
Double Digit Returns
Up to 12% net annual return
Collateralized Assets
Each loan collateralized by the asset itself
Diversification
Flexibility of choosing exact loan investments
Low Volatility
Fixed income asset-backed loans
Cash Flowing
Monthly interest payments
Underwriting
Processes driven by strict guidelines
Scalability & Automation
Rapid and efficient reporting processes
Reporting
Monthly, quarterly and real-time updates
Property Assessment: Cash-Flow (DSCR) | Loan to Value Ratio (LTV) | Loan To Cost Ratio (LTC) | Loan to After Repair Value Ratio (ARV) | Third Party Appraisal | Property Location | Quality of Market | Development Phase
Borrower Assessment: Track Record | Experience in Market/Location | Experience in Project Type | Experience in Development Phase | Credit Score | Delinquency History | Personal & Corporate Guarantee
Sharestates provides an entire ecosystem for the real estate professional’s financial needs
Lending Platform
Sharestates’ lending platform originates loans from $100K to $20MM on residential (SFR 1-4), multi-family, mixed-use, and commercial properties. It’s loan programs include residential bridge, fix & flip, new construction, portfolio, and rental loans
Institutional loan sales &
crowd funding syndication platform
Sharestates real estate investment marketplace allows accredited individual and institutional investors to participate in rigorously vetted real estate investments.
Conventional mortgage
Sharestates Agency Capital will operate as a traditional online mortgage lender. The company will offer mortgage and re-finance services in selected states and provide complementary loan products to Sharestates Lending.
Loan servicing platform
Investors Loan Servicing (ILS) is a specialty servicer for performing and non-performing business purpose loans, specializing in loans that require a higher level of service & focus.
LMS technology
Loan Closer is a complete end-to-end loan management system built with customizability and integrations in mind. The software contains a combination of proprietary technology plus API integrations with hundreds of other service providers to support lenders current and emerging needs.
Founded by real estate veterans with a relationship-focused lending strategy.
Take a look at what others are asking and how we can provide the information you need to help you get started.
Ready to view your loan buying options?
Partner with us today and let your money start doing the work for you.
We do not currently conduct any business in Alaska, Minnesota, Nevada, North Dakota, South Dakota, Oregon, Utah, and Vermont.
Sharestates is intended only for accredited investors (for persons residing in the U.S.), and for persons residing abroad in jurisdictions where securities registration exemptions apply.
The summary information found on www.Sharestates.com is an overview only. The information here does not constitute an offer to sell or a solicitation of an investment in the projects described herein. No sales of the securities will be made or commitment to purchase accepted until delivery of an offering circular that includes complete information about the issuer and the offering. Prospective investors are strongly encouraged to consult with their tax and legal advisers before making any purchases. Further, all investors should carefully review their relevant offering materials before making a purchase. The offering documents may vary in detail and thus should be reviewed separately for each project.
Sharestates does not make investment recommendations, and no communication through this website or in any other medium should be construed as such. Investment opportunities posted on this website are “private placements” of securities that are not publicly traded, are subject to holding period requirements, and are intended for investors who do not need a liquid investment. Private placement investments are NOT bank deposits (and thus NOT insured by the FDIC or by any other federal governmental agency, are NOT guaranteed by Sharestates, and MAY lose value.
These materials include forward-looking statements covered by the Private Securities Litigation Reform Act of 1995. Because such statements deal with future events, they are subject to various risks and uncertainties and actual results could differ materially from each issuers current expectations. Although not an exclusive list, forward-looking statements can be identified by words such as anticipates, projects, expects, plans, intends, believes, estimates, targets, and other similar expressions that indicate trends and future events.
While each issuer’s Manager believes the expectations portrayed by the forward-looking statements are reasonable, guarantees of future results, levels of activity, and performance cannot be made. Furthermore no person or entity assumes responsibility for the accuracy of the statements made herein. No person or entity is under an obligation to update any of the forward-looking statements found on this website to conform them to actual results.
Neither the SEC nor any state securities commission or regulatory authority approved, passed upon, or endorsed the merits of these offerings.
Except as otherwise required by law, and only to that extent, neither we nor any person or entity assumes responsibility for the statements found on this website. Sharestates’ services do not constitute crowd funding” as described in Title III of the Jumpstart Our Business Startups Act JOBS Act.
Average projected gross annual returns represent the average projected gross annual return for each funded offering to date. Past performance is no guarantee of future results and may not reflect potential deductions for fees which may reduce actual realized returns. Any historical returns may not reflect actual future performance and any investor on Sharestates may experience different results from those shown. Projected Terms are based upon the anticipated redemption or maturity date of the corresponding project investment. All securities offered on Sharestates involve risk and may result in loss.
Sharestates Investments, LLC is a wholly-owned subsidiary of Sharestates, Inc. that serves as the originating entity for all loans made or arranged pursuant to a California Finance Lenders Law license.
NMLS# 1538766 | AZ Mortgage License Number: BK – 1009613 | CA Mortgage License Number: 60DBO-63030