Sharestates is a national private, hard money lender. We offer financing solutions for a variety of needs and situations, including heavy rehab of commercial properties, residential fix and flips, ground-up construction, and rental loans. Our lending guidelines are flexible, including loan amounts ranging from $100k to $20M with a maximum LTV of 90% (purchase), 100% rehab, rates starting at 3.5%, and terms between 6 months and 30 years. The minimum credit rating required is 620. Sharestates provides loans for single family, multifamily, apartment, office, retail, and mixed-use properties.


Property Geographic Area Details

Nationwide except 4 states: NV, ND, SD, VT

Loan Amounts

$100,000 to $20,000,000

Interest Rates

3.5% to 12%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

0.5% to 4.0%

Loan Terms

6 months to 120 months

Lien Position

  • 1st

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
Minimum Occupancy Percentage


Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

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

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Commercial Long-Term

Specialty Loan Types

  • Residential Long-Term Rental
  • Partner Buyout

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

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

Rehab Value Add Loan

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw


Construction Loan

Development Experience Required


Minimum Number of Ground-Up Construction Projects Completed by Borrower


Max LTC for Ground-Up Construction Costs


Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

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


Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • LLC
  • Limited Partnership
  • Trust
  • Corporation

Documentation Required

  • Credit Report
  • Tax Returns
  • Bank Statements
  • Financial Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Legal Disclaimer

Sharestates Investments, LLC is licensed by the Department of Business Oversight, California Finance Lender #60DBO-63030. Arizona Mortgage Banker License #0946263. NMLS ID #1538766.

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 


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

Year Established



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

Office Locations

45 North Station Plaza, Suite 400, Great Neck, NY 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

Alternative Loan Structures

  • Table Funding with Capital Partner
  • Table Funding with Bank

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Banking
  • Residential Mortgage Banking
  • Commercial Real Estate Investing
  • Residential Real Estate Investing
  • Real Estate Development

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


Michael Ramin

VP, Business Development (National)

Michael is the VP of Investor Relations and Business Development at the Atlantis Organization. Since taking over this position in 2012, Michael has created alliances with some of New York's largest developers and investors. Michael's clients alone have closed or developed over $300 million in projects in the last year. Prior to Atlantis, Michael managed over 4,000 commercial and industrial properties for the Metropolitan Transportation Authority. Further, Michael negotiated the acquisition and disposition of properties requisite to expanding and improving the transportation network for the MTA. Michael will use his knowledge & experience in the Sales/Marketing phase to procure investors and sponsors for the expansion of the site and company user base. In addition, Michael is spearheading the development of the Sharestates social media platform.

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


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