Summary
1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN is a $200,330 loan offering structured as a first lien position on a purchase & renovation project in CHATTANOOGA, TN listed on Groundfloor.
The offering carries a stated rate of 12%, a term of 15 months, a loan-to-value of 69.5%, and a minimum investment of $10.
It is secured by Real estate at 1015 MOUNT VERNON AVENUE #3, TN, and the borrowing entity is Heart Pine LLC.
According to the offering circular, the loan is a first lien, on the property at 1015 MOUNT VERNON AVENUE CHATTANOOGA TN 37405, with a 15-month term, a 12% rate to the borrower.
AltStreet tracks 17 other Groundfloor offerings in CHATTANOOGA, TN, with disclosed rates ranging from 8% to 14.5%, and across 4,355 tracked Groundfloor offerings the median disclosed rate is 10.5%.
Terms shown here are drawn from SEC filing 0001104659-23-125260 and were captured by AltStreet on 2026-06-01. Figures are as disclosed at the time of the offering and are not updated for subsequent performance.
Disclosed Terms
- Offering amount
- $200,330
- Stated rate
- 12%
- Term
- 15 months
- Loan-to-value
- 69.5%
- Position
- First Lien
- Minimum investment
- $10
- Project type
- Purchase & Renovation
- Collateral
- Real Estate
- Return type
- Interest
- Borrowing entity
- Heart Pine LLC
- Status
- Active
- Target return
- 12%
- Collateral in place at close
- Yes
- Property address
- 1015 MOUNT VERNON AVENUE CHATTANOOGA TN 37405
- Lien position
- First Lien
- Loan term
- 15 months
- Rate to borrower
- 12%
- Loan-to-ARV
- 69.5%
- Loan principal
- $200,330
- Maximum offering
- $200,330
- Offering circular
- Form 1-A POS 0001104659-23-125260
Terms as disclosed at the time of the offering. AltStreet does not update these figures for subsequent performance, and a disclosed rate is not a realized return.
Where It Sits in Groundfloor's Book
Disclosed rate
12%
Above 74% of peers, median 10.5%. High for the book.
Hold period
15 mo
Above 65% of peers, median 12 mo. Near the middle of the book.
Loan to value
69.5%
Above 60% of peers, median 67.9%. Near the middle of the book.
Compared against 4,323 other Groundfloor real estate offerings with a disclosed rate. 69 of them are in TN, where the median disclosed rate is 11.5%. A percentile places a disclosed term, not a result. Browse the full Groundfloor book.
Filing Record
1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN is offered under Groundfloor's Regulation A (Form 1-A) program, a single SEC registrant that covers 3,079 tracked offerings. The program's filing history runs from 1-A on Oct 4, 2022 to 1-K on Apr 1, 2026. Those filings describe the program, not this loan; the terms above are this offering's own.
7 supplements with pricing figures and 19 audited annual statements are on file for this issuer.
From SEC EDGAR, as filed. Issuer filing history.
Other Offerings by the Same Borrowing Entity
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Terminal Analysis
Terminal analysis for this offering
Terminal access unlocks rate, LTV, and term percentiles against every tracked peer, the borrower's prior-loan repayment record, the full valuation and cost stack, and more.
Access full researchQuestions About This Offering
What is 1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN?
1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN is a $200,330 loan offering structured as a first lien position on a purchase & renovation project in CHATTANOOGA, TN listed on Groundfloor. The offering carries a stated rate of 12%, a term of 15 months, a loan-to-value of 69.5%, and a minimum investment of $10. It is secured by Real estate at 1015 MOUNT VERNON AVENUE #3, TN, and the borrowing entity is Heart Pine LLC.
What interest rate does 1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN pay?
The offering carries a stated rate of 12% over a term of 15 months, as disclosed at the time of the offering on Groundfloor. Stated rates are not guaranteed returns; repayment depends on the borrower and the underlying collateral.
What is the loan-to-value on 1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN?
The disclosed loan-to-value is 69.5% on the property in CHATTANOOGA, TN. For fix-and-flip and construction lending, this ratio is typically measured against after-repair value rather than the current as-is value, so it reflects a projected valuation rather than a realized one.
Who is the issuer of 1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN?
The securities are issued by GF Finance.
What property backs 1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN?
The offering circular identifies the property as 1015 MOUNT VERNON AVENUE CHATTANOOGA TN 37405. The loan is a first lien. Loan-to-after-repair-value is disclosed as 69.5%.
What is the minimum investment for 1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN?
The disclosed minimum is $10. Eligibility, availability, and the current status of this offering are determined by Groundfloor, not by AltStreet.
Is 1015 MOUNT VERNON AVENUE #3, CHATTANOOGA, TN still open to investors?
AltStreet's record shows the offering as active. AltStreet tracks this offering from SEC filings, last captured 2026-06-01. Offering status changes without a corresponding filing in many cases, so current availability should be confirmed directly with Groundfloor before acting.
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