Summary
4631 OREGON AVE, SAINT LOUIS, MO is a $84,200 loan offering structured as a first lien position on a purchase & renovation project in SAINT LOUIS, MO listed on Groundfloor.
The offering carries a stated rate of 12%, a term of 12 months, a loan-to-value of 70.9%, and a minimum investment of $10.
It is secured by Real estate at 4631 OREGON AVE, MO, and the borrowing entity is Big Sky Investment.
According to the offering circular, the loan is a first lien, on the property at 4631 OREGON AVE, with a 12-month term, a 12% rate to the borrower.
AltStreet tracks 20 other Groundfloor offerings in SAINT LOUIS, MO, with disclosed rates ranging from 10% to 13.5%, and across 4,355 tracked Groundfloor offerings the median disclosed rate is 10.5%.
Terms shown here are drawn from SEC filing 0001104659-22-048046 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
- $84,200
- Stated rate
- 12%
- Term
- 12 months
- Loan-to-value
- 70.9%
- Position
- First Lien
- Minimum investment
- $10
- Project type
- Purchase & Renovation
- Collateral
- Real Estate
- Return type
- Interest
- Borrowing entity
- Big Sky Investment
- Status
- Active
- Target return
- 12%
- Collateral in place at close
- Yes
- Property address
- 4631 OREGON AVE
- Lien position
- First Lien
- Loan term
- 12 months
- Rate to borrower
- 12%
- Loan-to-ARV
- 70.9%
- Loan principal
- $84,200
- Maximum offering
- $84,200
- Offering circular
- Form 1-A POS 0001104659-22-048046
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
12 mo
Above 19% of peers, median 12 mo. Low for the book.
Loan to value
70.9%
Above 87% of peers, median 67.9%. High for the book.
Compared against 4,323 other Groundfloor real estate offerings with a disclosed rate. 97 of them are in MO, where the median disclosed rate is 11%. A percentile places a disclosed term, not a result. Browse the full Groundfloor book.
Filing Record
4631 OREGON AVE, SAINT LOUIS, MO 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.
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 4631 OREGON AVE, SAINT LOUIS, MO?
4631 OREGON AVE, SAINT LOUIS, MO is a $84,200 loan offering structured as a first lien position on a purchase & renovation project in SAINT LOUIS, MO listed on Groundfloor. The offering carries a stated rate of 12%, a term of 12 months, a loan-to-value of 70.9%, and a minimum investment of $10. It is secured by Real estate at 4631 OREGON AVE, MO, and the borrowing entity is Big Sky Investment.
What interest rate does 4631 OREGON AVE, SAINT LOUIS, MO pay?
The offering carries a stated rate of 12% over a term of 12 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 4631 OREGON AVE, SAINT LOUIS, MO?
The disclosed loan-to-value is 70.9% on the property in SAINT LOUIS, MO. 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 4631 OREGON AVE, SAINT LOUIS, MO?
The securities are issued by GF Finance.
What property backs 4631 OREGON AVE, SAINT LOUIS, MO?
The offering circular identifies the property as 4631 OREGON AVE. The loan is a first lien. Loan-to-after-repair-value is disclosed as 70.9%.
What is the minimum investment for 4631 OREGON AVE, SAINT LOUIS, MO?
The disclosed minimum is $10. Eligibility, availability, and the current status of this offering are determined by Groundfloor, not by AltStreet.
Is 4631 OREGON AVE, SAINT LOUIS, MO 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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