Earn Unprecedented Returns with the Elite Industry Experts!

Goldleaf provides secured, short term (~1 year) liquidity for equity creating 30%+ returns for our investors.
Goldleaf protects investments through the meticulous underwriting of the 1st position lenders and the joint participation of the borrowers.
Goldleaf’s risk-adjusted blended returns, combined with a 97% industry success rate, offers further protection against financial loss.​

Our Team

Over $3bn in Cumulative Transaction Volume

Managing Partner, coo
Christian Sadowski

Christian is COO for Goldleaf. He is a graduate of Flagler College with a BBA in finance and one of the youngest graduates of the very prestigious School of Entrepreneurship in Lithuania. For 6 years Christian was the division head of operations for an international Bio-Science Company interacting on a global basis with suppliers, operation teams and monetary experts. Christian's experience allows Goldleaf to contract with the most competitive lenders for Real Estate Funding. Having spoken to thousands of real estate borrowers and financing many deals, Christian has gained a genuine understanding of borrowers needs first handedly. His invaluable insight guided Goldleaf to fill a unique niche in the real estate industry allowing for better-tailored solutions with lenders, less risky loan options for clients and exceptional returns for investors.

Managing partner, advisor
George Sadowski

Dr. George Sadowski, a renowned surgeon and businessman has extensive investment experience. His accomplishments are almost incomprehensible inclusive of 25,000 surgeries, Chief of Staff of Flagler Hospital, St. Augustine, development of outpatient surgical centers, Medical Director of one of the most successful MSO's in Florida with over 45 offices and an investor in Real Estate Portfolio Properties. Dr. Sadowski's strategic ability to analyze and create opportunities for investors allows Goldleaf the ability to negotiate more successful loans with a higher rate of return.

Director of Real Estate
Andrew Carlton

Andrew is an experienced Real Estate Developer and lender. Starting his career in Florida in 1972 he became an unlimited General Contractor in Florida, South Carolina and North Carolina successfully completing millions of dollars in real estate projects. Andrew advanced his career when he established a processing company for mortgage modifications, debt settlement and credit repair. This company reached the pinnacle of success during the great recession and dealt with exclusive divisions of Chase, Wells Fargo and Bank of America on over 16,000 modifications. Andrew is extremely experienced at underwriting and structuring equity positions for Real Estate Investors.

CFA, Cfo
Kevin Hill

Kevin has 20 years of commercial real estate and renewable energy investing experience, including 6 years of operational experience as a Chief Financial Officer. He has completed transactions totaling over $1.5 billion in aggregate value. Kevin has structured capital in numerous real estate equity and debt investments (acquisitions and developments), utilizing fund discretionary capital, institutional joint ventures, and private-investor equity syndications. Real estate property types have included multifamily, condominiums, office, retail, and land. As a CFO, Kevin’s work has been comprised of capital formation (corporate and project-level finance), structuring and negotiating commercial agreements, financial planning & analysis, insurance, treasury, and financial reporting.

Corresponding Lender
Ed Carlton

Mr. Carlton has held several leadership positions prior to founding Bayway Mortgage Group in 2013 as a corresponding lender, including roles in new business venture start up, development of business systems, and service fulfillment. Through a resounding commitment to customer service and a fearless disposition towards hard work, Mr. Carlton excelled tremendously in a variety of employments. Ed distinguished Bayway Mortgage Group from other loan providers by focusing on finding the perfect loan for end buyers and closing those loans quickly. He emphasizes empathy and communication with consumers above all else and has successfully closed hundreds of millions of dollars in loans.

Lender Relations
Tony Gioia

Tony Gioia is a seasoned professional in the field of lender relations and operations, renowned for his expertise and strategic insights. With a careers panning 3 decades, Tony has established himself as a trusted advisor, guiding individuals and organizations through the complexities of lending processes. Over the years, he has held various leadership positions, serving as a trusted advisor to both individuals and institutions seeking guidance on lending strategies, risk assessment. As an advisor in lender relations, Tony makes significant contributions to the financial industry, shaping the landscape of lending and empowering individuals and businesses to achieve their financial goals. His assistance with lender relations, onboarding, underwriting will becritical to the overall growth of Goldleaf Investment Fund I.

director of title security
Marc Connelley

Marc is a highly skilled, results driven professional with over 30 years selling services from line level to C Suite. Executive team member collaborating on go-to-market strategies based on company capability. “Player/ Coach” with aptitude for individual contribution, mentoring and collaborating with teammates to achieve objectives. Self-starter that is passionate and enthusiastic about identifying, creating, implementing client focused solutions by nurturing long term relationships, listening/ understanding client needs and matching those with the strengths of the organization. Marc is integral to the transfer security and return of Goldleaf investments.​

Investment Analyst 
Carmella Weiss

Carmella's strength is her ability to cultivate and maintain relationships with hedge funds, equity and debt fund managers, family offices, high net worth individuals, and investment bankers across the nation. She excels in the implementation of creative financial strategies, project financing, working capital and leveraged finance.  Carmella has helped facilitate multi-million-dollar asset-based lending for real estate ventures and mixed-use commercial projects.

Opportunity

Goldleaf will Substantially Increase the Existing $500 Billion Fix & Flip Home Market

Here's How

Goldleaf provides liquidity for equity to qualified fix & flip borrowers that are referred by lenders
- Lack of liquidity is a major cause for loan denial
Lenders will be able to loan more money thus increasing their loan volume
Borrowers can complete more projects
Goldleaf investors now participate in equity with a high leverage, resulting in the highest returns in the industry

Investment Participation

Equity Participation

approval process

Investment Approval

Goldleaf Follows Strict, Defined Underwriting Guidelines to Qualify Assets and Protect our Investors

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Case Study 1: Fayetteville, NC

Purchase:

$165K

Construction Budget:

$20K

Total Project Cost:

$185k

ARV:

$280k

Total Liquidity Needed (15% of purchase):

$24,750

Goldleaf Contribution (7.5%):

$12,375

Borrower Contribution (7.5%):

$12,375

Goldleaf Equity:

25% of net proceeds

Goldleaf Investment Fund I ROI 

Investment:

$12,375

Net Proceeds:

$280,000 (ARV)- $185,000 (Project Cost) =
$95,000 (Net Proceeds)

Goldleaf Equity 25% ($95k)= $23,750

Rate of Return:

LP Preferred Return 12% ($12,375) = $1,485

Remaining equity after Pref ($23,750 - $1,485) = $22,265

GP catch up 10% ($22,265) =
$2,226

Equity after GP Catch Up ($22,265 - $2,226) =
$20,039

​LP carried interest 70% ($20,039) = $14,027

LP Total Return ($1,485 + $14,027) = $15,512     ​
ROI = 125%

Case Study 2: Stuart, FL

Land Purchase:

$450k

Construction Budget:

$75k

Total Project Cost:

$525k

ARV:

$813k

Total Liquidity Needed (20% of purchase):

$90,000

Goldleaf Contribution (10%):

$45,000

Borrower Contribution (10%):

$45,000

Goldleaf Equity: 

25% of Net Proceeds

Goldleaf Investment Fund I ROI 

Investment:

$45,000

Net Proceeds:

$813k (ARV)- $525k (Project Cost) =
$288k (Net Proceeds)

Goldleaf Equity 25% ($288k)= $72,000

Rate of Return:

LP Preferred Return 12% ($45,000) = $5,400

Remaining equity after Pref ($72,000 - $5,400) = $66,600

GP Catch Up 10% ($66,600) =​ $6,660

Equity after GP catch up ($66,600 - $6,660) = $59,940

LP Carried Interest 70% ($59,940) = $41,958

LP Total Return ($5,400 + $41,958) = $47,358

ROI = 105.2%

Case Study 3: Breman, GA

Land Purchase:

$300k

Construction Budget:

$100k

Total Project Cost:

$400k

ARV:

$550k

Total Liquidity Needed (30% of purchase):

$90k

GLIF 1 Contribution (15%):

$45k

Borrower Contribution (15%):

$45k

GLIF 1 Equity: 

25% of Net Proceeds

Goldleaf Investment Fund I ROI 

Investment:

$45,000

Net Proceeds:

$550k (ARV)-
$400k (Project Cost) =
$150K (Net Proceeds)

GLIF 1 Equity 25% ($150k)= $37,500

Rate of Return:

LP Preferred Return 20% ($45,000) = $9,000

Remaining Equity after Pref ($37,500 -$9,000)= $28,500

LP Carried Interest 50% ($28,500) = $14,250

LP Total Return = $23,250

ROI = 52%

Market Areas

Goldleaf prioritizes investments in the top ten prime market areas vetted by our lending partners with a track record of success and strong demand to maximize returns and mitigate risk.

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