Letsinvest Review Summary
Letsinvest appears to be a well-regulated, transparent, and conservatively run real estate crowdfunding platform. Its strong points—collateral-backed deals, solid returns, and a spotless repayment record—make it a compelling choice for investors.
However, the limited deal volume, lack of liquidity, and shorter track record are valid constraints. Your fit depends largely on whether you're comfortable with locking capital for 6–24 months, manually choosing a few projects, and committing to a boutique platform with modest team capacity.
If those match your preferences, Letsinvest is a solid contender.
Pros
- Regulated & licensed: Letsinvest is registered under the ECSP framework and supervised by the Bank of Lithuania, enhancing its credibility and oversight.
- Mortgaged-backed loans: All projects are secured by first-rank mortgages with a conservative maximum LTV of 70–75%, providing solid collateral protection.
- Attractive returns: The platform offers average net annual returns of around 8–10%, with historical figures around 10.3%.
- Track record of zero defaults: Since its launch in 2020, Letsinvest has reported no investor losses or late repayments.
- Transparent borrower process:I nvestors gain access to detailed project documentation, expert due diligence, valuations, and regular updates.
Cons
- Limited deal flow: A relatively small volume of projects is available at any given time, which might be a constraint for investors seeking diversification.
- Short operating history: Approximately five years in operation (since 2020), which is shorter than many established platforms—though still notable.
- No secondary market or auto-invest features: Once invested, funds are locked until project completion, and investors must manually select each opportunity.
Good to know
- Small team & boutique size: Might limit operational scalability and support availability.
- Investor liquidity constraint: No secondary market; planning investment timeline is crucial.
- Transparency mostly internal:While financials are reported legally, some details like independent third-party audits aren't publicly provided.
- Relative newcomer:With only five years under its belt, future stability under stress hasn’t been tested.
