America’s Private Lender for Real Estate Investors

The most competitive private loans for every phase of your real estate project nationwide. Sharestates puts funding in your hands so you can take immediate advantage of today’s market. If you qualify, the money could be in your hands within days. We fund loans from $100k to $20mm on residential (SFR 1-4), multi-family, mixed-use and commercial properties across the country. Our loan programs include:

  • Residential Bridge
  • Residential Rehab Fix & Flip
  • Residential Ground-Up Construction
  • Residential Long-Term Rental (DSCR)
  • Commercial Real Estate Bridge
  • Commercial Real Estate Rehab/Value-Add

Please Note: We do NOT offer loans for vacant land, owner-occupied homes, or specialty commercial properties.

Property Geographic Area Details
Nationwide except 8 states: MN, NV, ND, OR, SD, UT, VT, WA
Loan Amounts
$100,000 to $20,000,000
Interest Rates
3.5% to 12%
Loan Terms
6 months to 120 months
Origination Fees
0.5% to 4.0%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 75%
Max LTP Multifamily: 70%
Max LTP Commercial: 65%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 80%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 80%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 80%
Refinance Long-Term
Max LTV Residential: 75%
Max LTV Multifamily: 75%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 100%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 90%
Max LTARV: 70%
Commercial Value-Add
Max LTP: 70%
Max LTC: 80%
Max LTARV: 65%
Residential Construction
Max LTP Land: 70%
Max LTC: 85%
Max LTCV: 70%
Multifamily Construction
Max LTP Land: 70%
Max LTC: 85%
Max LTCV: 70%

Property Types

  • 2-4 Units Residential
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Retail
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Specialty Loan Types

  • Partner Buyout
  • Residential Long-Term Rental

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Family

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

1

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

5

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

2

Max LTC for Ground-Up Construction Costs

85%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Deposit Required

We charge a "Term Sheeting Binding Deposit" once our term sheet is signed. It covers our underwriting fee, a credit report, background check, and flood certification report. The fee ranges from $275 to $1,050 depending on the loan amount.

Appraisal Fee

Appraisal fee is paid directly to the appraiser (or appraisal management company), but we collect this fee when the term sheet is signed.

Fees which are mandatory for all new borrower clients

  • Deposit
  • Multi-Purpose Lender Fee
  • Appraisal Fee

Fees which are paid to a third party company

  • Documents Fee
  • Legal Fee
  • Appraisal Fee

Details and Requirements

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

10

Payment Structure
  • Interest Only
  • Amortized
Payment Structure Details

Most loans are Interest Only. Amortization only applied to long-term commercial and residential rental loans.

Pre Payment Penalty

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

620

Credit Check Description

The minimum credit score is 680 for investors that lack sufficient experience.

Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Legal Disclaimer

Sharestates Investments, LLC is licensed by the Department of Business Oversight, California Finance Lender 60DBO-63030. Arizona Mortgage Banker License BK–1009613. NMLS ID 1538766.

Get In Touch

Sharestates, Inc. pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

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Sharestates is one of the fastest growing national private lenders focused on non-owner occupied residential and commercial properties.  We create customized lending solutions for real estate investors and developers. We have successfully funded over $3 billion in projects nationwide and have the broadest loan programs available in the market with competitive pricing.    

We fund loans from $100k to $20mm on residential (SFR 1-4), multi-family, mixed-use and commercial properties.  Our loan programs include residential bridge, fix & flip, new construction, portfolio and rental loans.  As your partner, we manage the servicing of all loans we originate through successful repayment to ensure your needs are met throughout the loan lifecycle.  

We were founded by real estate veterans and our success is attributed to a strong leadership team, ease of use, sensible underwriting practices, and our relationship focused lending strategy.  We partner with direct borrowers and brokers.    

Sharestates is one of multiple related real estate businesses within our organization, that exist to accelerate the redevelopment of residential housing. Collectively, these unique capabilities allow us to provide an end-to-end solution for our customers.  In doing so, we create a more positive borrower experience, better control credit risk and successfully monitor the loan through its entire lifecycle.   

To learn more visit www.Sharestates.com. 

License

NMLS #1538766, CFL #60DBO-63030, AZ Mortgage Banker #0946263

Company Size (Number of Employees)

99

Year Established

2013

Associations

  • Marketplace Lending Association
  • American Association of Private Lenders
  • Mortgage Brokers Association
  • Forbes Real Estate Council

Office Locations

45 North Station Plaza, Suite 400, Great Neck, New York 11021

Primary Capital Source
  • Own Funds
  • Other Private Lending Companies
  • Private Equity Funds
  • Hedge Funds
Alternative Capital Sources
  • Individual Investors
  • Crowdfunding
  • Asset Management Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • Multiple Investor Fractionalized Note
  • LLC Syndicated Investors
Percentage of Loans Secured by Commercial Property

45%

Percentage of Loans Secured by Residential Property

55%

Total Number of Loans Funded to Date

3638

Total Loan Volume Funded to Date

$3,226,681,666

Our Team

Michael Ramin

VP, Business Development (National)

Get In Touch

Sharestates, Inc. pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Sharestates, Inc. by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$100,000

What We Do

  • Residential and Commercial Properties
  • Short-Term Bridge Loans
  • Rehab Loans for Residential & CRE
  • Long-Term Rental Loans (DSCR)

Not Available

  • NO 100% Financing
  • NO 2nd Mortgages
  • NO Vacant Land
  • NO Owner-Occupied Homes
  • NO Rural Locations

Send an email to Sharestates, Inc.