If you’re looking to gain exposure to the real estate space – but you don’t quite have the means to go through the traditional channels, it might be worth considering a crowdfunding alternative. One such example is that of Rendity. The platform allows you to access the (primarily) Austrian real estate arena with an investment of just €500.

In my Rendity review, I cover everything you need to know about the crowdfunding site. This includes the types of real estate you will be investing in. what sort of returns you should expect, and of course – whether or not your money is safe.

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Founded in 2014, Crowdestate is one of the leading real estate crowdfunding platforms in Europe with a 16.87% annual return rate, 48360 active users from 123 countries and 249 investment opportunities completed.

Here are some benefits for investors:

• Pre-vetted investments only
• No investment fees
• No trading fees
• Private and business accounts
• EUR 100 minimum investment

How does Crowdestate Work?

As described, Crowdestate is a real estate crowdfunding platform.

The platform’s relationships with experienced real estate developers gives it access to a large number of off-market real estate investments.

According to Crowdestate, only the best opportunities surviving in the rigorous due diligence process are published for investing. Extensive background information, business plans, and financial models combined with a low 100 euro minimum investment are making investing quick and easy.

Crowdestate makes it clear on their website that they are open for business to both investors and those seeking funding.

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Reinvest24 is a real estate crowdfunding platform that currently specializes in Baltic real estate but is also expanding into other countries including Spain.

The hottest cities in the Baltics at the moment Tallinn (Estonia), Riga (Latvia) and Vilnius (Lithuania). Reinvest24, apart from Estonia-based projects, also offers investment possibilities in Latvia, Moldova and Spain.

They have financed 10+ projects with €12,000,000 invested and €4,000,000 returned back as profits to investors.

I had the opportunity of interviewing the CEO of this platform, Tanel Orro, on my podcast Mastermind.fm, and I found him to be a very likable and knowledgeable person. That is consistent with the impression I had formed of the platform after having gone through their website and invested in a few of the projects available over the past year.

Reinvest24 is one of my favorite real estate crowdfunding platforms, but let’s dig deeper to see why I like them.

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EstateGuru is one of the leading European P2P platforms for short-term, property-backed loans. Founded in Tallin, Estonia, in 2014, Estate Guru now also has satellite offices in Latvia, Lithuania, the UK, and Finland.

“A short-term loan from EstateGuru is designed to meet a variety of niche needs with which traditional financial institutions are often unwilling or unable to assist property developers”

The aim behind the company is to provide everyone, regardless of where they come from, with the opportunity to invest in real estate from as little as €50.

What is interesting and different from platforms such as Mintos is that EstateGuru offers investors and borrowers loans based exclusively on real estate, and more importantly, loans are only given to businesses, not private individuals. At present, only companies registered in and with a bank account in Estonia, Latvia, Lithuania, Spain, Finland, and Ireland are allowed to borrow through the platform.

Over the past 6 years, EstateGuru has developed an average return of 11.95%, on par with Mintos. With over 1,000 funded loans worth over €170,000,000 granted and 48,000 investors worldwide, this platform is certainly one to look out for.

Here are a few notable achievements of this platform:

• EstateGuru has funded more than €200 million worth of real estate backed loans in 7 countries – Germany, Finland, Estonia, Latvia, Lithuania, Spain, Portugal and earned investors €14 million in interest;
• Revenue earned in 2019 is €2.5 million, Q1 2020 revenue is €0.94 million (2.5x growth compared to Q1 2019);
• EstateGuru is operating profitably;
• Successful pre-A round with VC fund Speedinvest in 2018;
• Repetitive investor rate 90%, repetitive borrower rate 50%;
• €100+ million of assets under management;
• Market-leading returns – average historical annual return for platform’s retail investors has been 11.8% and as of today, loss of capital on the platform is €0;
• Successful cooperation with multiple institutional investors, most prominent being Varengold bank from Germany;
• Largest alternative property lender in continental Europe (Brismo.com);
• Having started in Estonia – the most digital society in the world – 90% of EstateGuru’s core processes are automated and digitalized. This helps enable them to cost-efficiently expand business to new markets using agile processes;
• EstateGuru has operating licenses in Lithuania and the UK (FCA p2p lending license);
• First API connection with a traditional bank (LHV) that enables its users to see their EstateGuru profile directly from the LHV banking interface;
• Nominated three years in a row (2017-2019) as top 100 Proptech in Europe by Real Estate Innovation Network;
• EstateGuru was nominated Top 3 Best Fintechs in 2019 by German-Baltic Chamber of Commerce;
• International team of 44 experts.

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