Best P2P Real Estate Platforms in 2025
Have you always dreamed about becoming a real estate investor but couldn't afford it because you had no money? We have a solution for you called P2P real estate lending. You can become a real estate investor with as little as €1.
In the past, real estate investing was only available to wealthy individuals willing to commit their money long-term.
This isn't the case anymore.
In this guide, we at P2P Empire will explain how you can become a P2P real estate investor regardless of how much money you want. We will also show you the best P2P real estate lending platforms that offer high returns while keeping your money safe.
In this guide you'll learn:
- What is P2P Real Estate Lending?
- How to Choose Your Real Estate P2P Platform?
- Comparison of the Best P2P Real Estate Platforms
- Why You Should Invest in Real Estate via P2P Lending Platforms
- 7 Golden Rules of Real Estate Peer to Peer Lending
What Is P2P Real Estate Lending?
Peer to peer real estate lending (also called peer to peer real estate investing) is an investment strategy where you invest a small amount of money into multiple real estate projects.
Sound simple right? - It is!
Within the P2P real estate lending industry, you can invest in real estate loans, rental properties, and real estate equity or participate in group buying deals. We’ll dive into these categories and show you which is the best fit for you.
1. Real Estate Loans
With real estate loans, you'll earn fixed interest, which is paid monthly, quarterly, or at the end of the loan period.
Pros of investing in real estate loans:
- Fixed interest
- Fixed loan term
- Lower risk (a mortgage often protects your money)
- Low investment amount (you can start from only €1)
- Relatively short loan period (you commit your money from 12 to 24 months)
Cons of investing in real estate loans:
- No cash flow (most of the loan and interest are paid back at the end of the loan term)
- It can be volatile (the price of the real estate can decrease until it's paid off)
Real estate loans are the most popular investment type for P2P investors seeking the highest possible protection for their investments.
2. Rental Properties
The company purchases the property and sub-lends it to tenants with rental properties. You will buy a stake in the property and earn monthly passive income from rental payments.
After the contract expires, the property is sold, and you will receive an additional return from capital gain if the market price increases during the rental agreement.
Pros of investing in rental properties:
- Regular cash flow
- You diversify your money within the P2P real estate industry
- You will earn capital gains as the price of the property increases with time
Cons of investing in rental properties:
- Lower interest
- Usually long-term investments
- Lack of diversification (there aren’t as many rental properties to invest in)
3. Real Estate Equity
By investing in real estate equity, you become a business co-owner of that property. This is usually the case with development projects. Instead of taking out a loan, the developer offers equity to raise enough funds. Ideally, the developer will aim to sell the real estate project with an additional margin, which you will receive as capital gain, together with your initial investment.
Pros of investing in real estate:
- High interest
- Smaller financial commitment
Cons of investing in real estate:
- Longer financial commitment
- You're taking a higher risk (in a case where sales targets aren’t met, construction is delayed)
- Investment agreements are often not in English but instead in the local language (Spanish, German, etc.), which makes it hard for you to verify
In 2025, no legitimate platforms offer those types of investments, which is why we don't recommend this type to most readers. Real estate equity investing is often done directly between the investor and the developer.
Which P2P Real Estate Lending Category Is The Most Popular?
The most popular real estate P2P lending category is, without a doubt, real estate P2P loans with fixed interest and relatively short loan terms.
By investing in property-backed real estate loans, you will earn between 8% - 15% interest per year.
Choosing The Best Real Estate P2P Lending Platform
We at P2P Empire have tested different real estate P2P lending platforms for you to create a list of the best real estate P2P lending sites in Europe.
Here’s what you should look out for when deciding whether a real estate P2P lending site is for you.
How You Can Evaluate P2P Real Estate Platforms
Regarding peer to peer real estate lending, you primarily look at the ratio between returns and risk.
To give you a better idea about how to do it, look at the following factors.
1. Average Interest Rates
Every real estate project offers a different interest rate, so you should look at the average interest rates of projects currently listed on the P2P real estate platform. The real estate P2P lending site's statistics usually show historical interest rates, which do not reflect the current situation.
2. Type of Collateral
The type of collateral is significant as a different guarantee secures every project.
You want to know how your money is protected, right?
First-rank mortgages should be the security you should look for in real estate P2P lending. Be aware, however, that not every property-backed loan has the same protection.
Some borrowers offer a second-rank mortgage or business collateral. Remember that mortgages in certain countries like Spain are costly to set up, so companies often prefer other types of collateral so investors can earn a higher yield.
3. LTV
Loan-to-value (LTV) represents the loan amount of the property's value. If, for example, a real estate developer takes a €60,000 loan to develop a real estate project valued at €100,000, the LTV is 60%.
The lower the LTV, the better!
If the borrower cannot repay the loan, the property will be sold for the current market price, and you will be paid off. You will only lose money if the property's value drops below €60,000.
This is very unlikely for more established P2P real estate platforms that rely on the valuations from certified evaluators in local markets.
Remember that the LTV is directly connected to the property evaluation, which should be available for every project.
More established platforms provide an independent evaluation report, which should give you a good idea about the value of the collateral. If you don't get an independent evaluation report for a mortgage-backed loan, the risk of your investments increases.
4. Availability of Projects
In how many projects can you invest?
This is important as your goal is to build a diversified P2P real estate portfolio.
You don't want to put all your eggs in one basket - do you?
You want to spread your money across multiple projects. If there are no available projects, you won’t be able to diversify your funds properly.
5. Secondary Market
How fast can you cash out your money should you need it?
To have the option to withdraw your money before the end of the loan term, choose a platform with a secondary market (a place where you can sell your investments to other investors) or an early exit option.
There's, however, one thing to consider.
You often need to sell these investments at a discounted rate to incentivize other investors to buy your investments. Some secondary markets come with a fee for sellers, which ranges between 0.5% and 2%.
6. Auto Invest Tools
No time to evaluate every single real estate project?
In that case, choose a platform where you can automate your investment strategy. You can set up your ideal criteria, and the tool will work for you.
Any catch with this one?
Many experienced investors don’t use the auto invest tool in peer to peer real estate lending as the minimum investment amount is higher and the loan term is longer than the typical loan.
Also, every real estate project is different, and some auto invest tools don’t allow you to define the type of collateral.
As a result, we suggest you pick your real estate loans manually if you have the time to do that. This is our recommended strategy for beginners to understand how P2P real estate works. We also suggest analyzing the statistics page of a dedicated platform to get an idea about the performance of specific loans.
7. Customer Support
If you are starting with real estate P2P lending, choose a real estate P2P lending platform that has a dedicated customer support center that you can use. It can become very frustrating if projects get delayed and you can't get a status update from the platform.
8. Trust Factor
Is there an experienced team behind the platform? Who owns the platform, and what are the terms and conditions? You should know where you should invest your money.
Nowadays, transparency is essential, and platforms that don’t adjust won’t make it. We always recommend doing your research before you decide to invest on a dedicated platform.
The Best Real Estate P2P Lending Platforms in 2025
Without further ado, here is the list of the best real estate P2P lending platforms.
| Real Estate P2P Platform | Average Interest | Protection | Type |
|---|---|---|---|
| InRento | 7% | 1st rank mortgage | Rental |
| Crowdpear | 11% | 1st mortgage | Development |
| Fintown | 12% | 1st mortgage | Rental |
1. InRento
InRento Highlights
- Regulated platform
- Reliable income from rental deals
- Secured projects
- 7% annual yield
- Invest from €500
| InRento Overview | |
|---|---|
| Average Interest: | 7% |
| Protection: | 1st mortgage |
| Max. LTV/Type: | Rental |
| Availability of Loans: | Very Good (4/5) |
| Secondary Market: | Yes |
| Auto Invest: | No |
| Customer Support: | Very Good (4/5) |
| Trust Factor: | Very Good (4/5) |
Pros
- Lower risk
- Unique business model
- Regulated by the Bank of Lithuania
Cons
- Higher minimum investment amount
- 2% secondary market fee
- Limited diversification
InRento is a regulated Lithuanian platform that allows you to invest in chosen rental deals in exchange for a monthly rental income. The platform was founded by the Co-Founder of EvoEstate - Gustas Germanavicius, and funded by StartupWise Guys. This venture capital fund is very active in the crowdfunding space in the Baltics.
InRento is a legitimate platform that offers safe investments in diligently vetted real estate properties. While the platform is still relatively small, it provides a secondary market, and the project availability is also increasing.
The only disadvantage for smaller investors is the minimum investment amount of €500, which can be slightly higher, especially if you are just starting out with P2P real estate lending.
The platform offers attractive and secured investment opportunities in Lithuania and Poland.
Ready to invest on InRento?
2. Crowdpear
Crowdpear Highlights
- Invest in real estate from Lithuania
- Minimum investment from €100
- Lower risk and stable cashflow
- User-friendly platform
| Profitus Overview | |
|---|---|
| Average Interest: | 11.19% |
| Protection: | 1st-rank mortgage |
| Max. LTV/Type: | 75% / development loans |
| Availability of Loans: | Very Good (4/5) |
| Secondary Market: | Yes |
| Auto Invest: | No |
| Customer Support: | Very Good (4/5) |
| Trust Factor: | Exceptional (5/5) |
Pros
- Suitable investment alternative
- Transparent T&C
- Secured by a mortgage
- Operated by the team behind PeerBerry
Cons
- Limited diversification
- Quarterly interest payout & bullet loans
- Withholding taxes
Crowdpear is a regulated Lithuanian real estate P2P lending platform that primarily lists real estate projects from Lithuania. This platform is exciting for investors who want to increase their investment in the Lithuanian real estate market.
The Lithuanian P2P market is much better regulated, which increases the securities that come with P2P real estate lending.
Crowdpear officially launched in January 2023, and so far, the platform reports a 0% default rate. Most of the loans come with a quarterly interest payout and a 12-month loan term. We have had a good experience with Crowdpear so far, you can review our stake on the platform on our portfolio page.
Ready to invest on Crowdpear?
3. Fintown
Fintown Highlights
- Rental projects from VIHOREV Group
- 0% default rate
- Monthly interest payouts
- Real estate loans from the Czech Republic
- Invest from €1
| Max Crowdfund Overview | |
|---|---|
| Average Interest: | 12% |
| Protection: | Group guarantee |
| Max. LTV/Type: | Rental and Development Loans |
| Availability of Loans: | Good (3/5) |
| Secondary Market: | Yes |
| Auto Invest: | No |
| Customer Support: | Very Good (4/5) |
| Trust Factor: | Very Good (4/5) |
Pros
- Only in-house projects
- Minimum investment €1
- No third-party borrowers
Cons
- Limited diversification
- Not regulated
Fintown is a Czech-based crowdlending platform that raises funds to refinance a part of the equity from the VIHOREV Group in selected real estate properties in Prague.
VIHOREV Group develops and owns multiple properties in Prague, which are being rented. Investors can earn between 8% and 15% interest by investing in various operational rental units that generate monthly income.
The platform is also raising funds to finance late-stage development projects, which will soon be offered for rent. The main reason why Fintown exists is to refinance a portion of the equity so it can be used to finance other development projects.
The company behind Fintown focuses only on in-house projects in or around Prague. This means that investors are not exposed to third-party borrower risks, as is the case on EstateGuru or Reinvest24, which our community has selected as the worst P2P real estate platforms.
Ready to invest on Fintown?
Or learn more in our Fintown Review.
Why Invest in Real Estate via P2P Lending Platforms?
- Investing in real estate properties with as little as €1 is a fantastic alternative if you don’t have a large sum of money or don’t want to take the risk and buy your property.
- Thanks to peer to peer real estate lending, you can become a real estate investor without all the hassle that comes with it.
- The real estate P2P lending platforms take care of all the paperwork for you; the only task you need to do is register on one of the platforms, transfer funds, and choose your investments, meaning you save a lot of time.
Easy right? In theory, yes.
But, before you start investing, we would like to give you our seven golden rules that we follow regarding real estate P2P lending.
Seven Golden Rules of Real Estate P2P Lending
1. Read the terms
Be aware of how the platform works and your rights and obligations. We read all the terms and conditions before signing up on any P2P lending site.
You can get a brief overview of a platform’s terms in our P2P lending reviews.
2. Understand the risk
Some collateral backs every real estate investment. Note that there is a significant difference between a first-rank and second-rank mortgage. Before you invest, look at the LTV, mortgage type, and interest. Compare these with other projects and determine if the protection scheme matches the interest rate.
3. Invest manually
It’s common practice to automate your investment strategies with an auto invest feature. In most cases, real estate P2P lending platforms don’t offer an auto invest tool that would allow you to match your investment criteria.
4. Diversify across multiple countries
You should know that diversification is the best protection against market volatility or loan defaults.
Spread your real estate investments across multiple countries to lower the risk of default.
5. Invest in metropolitan areas
During an economic downturn, the real estate prices in country areas can drop by up to 60%. Full recovery might only take a few months, or it could take several years.
Generally speaking, large cities are less affected by drops in real estate as the demand for housing is usually very high. Also, properties in metropolitan areas aim to recover much faster than in the countryside.
6. Do not invest money that you cannot afford to lose
This is a no-brainer, but many investors are emotionally attached to their P2P investments.
Every investment comes with a risk. P2P lending isn’t an exception. In the worst-case scenario, you might lose some or all of your investments.
7. Invest long term
Real estate P2P lending isn’t the best option if you are looking for quick capital gains. Most platforms list projects with a loan term of 12 to 24 months. Some of the platforms even offer real estate investment opportunities for 36 months.
Note that real estate crowdfunding isn’t a short-term investment per se. If you want quick access to your money, invest on Esketit.
Ready to become a real estate investor? You got this!
Sign up to one of the P2P real estate platforms mentioned above and transfer a small amount of money to get started. As you get familiar with the platform, increase your investments and create your passive income stream.
