Crowdestate Review (2019)

My first investment on Crowdestate was in March 2019 (2000 EUR). I had decided to further diversify my P2P portfolio through real-estate loans and decided to join Crowdestate, a platform infamous for its excellent track record and high returns (average historical return of 20.54%).

Quick facts:

✅ Loans with interest rates between 11% and 16%.

✅ Loan types: Real estate, corporate finance, and mortgage loans

✅ No BuyBack Guarantee but loans secured with a first-rank mortgage (physical security) or personal guarantees

✅ Secondary market. Allows users to sell investments to or buy investments from other investors. Allows users to liquidate and exit faster when desired.

✅ Risk rating: Loans are risk rated by Crowdestate between A1 and C5)

✅ Platform provides extremely detailed information about each investment (Project Details, Location, SWOT, Crowdestate rating/Risk analysis, Capital Structure, Finances)

🔴 Platforms is growing rapidly and loans are not always available.

🔰 Estateguru HQ: Tallinn, Estonia

🔰 Founded in 2014. Since then, 113 projects successfully funded with a historical return of 20.54%.

My Crowdestate experience

[31 Mar 2019]: As of today my Auto-invest portfolio has not yet picked up any investments. The money is sitting in my account and I am waiting for investment opportunities to be added.

Opening an account

Opening an account with Crowdinvest was really straightforward. Equipped with an ID and a phone number to receive text messages, the identity verification process worked by webcam and took only two minutes. I added funds to my newly opened account through a regular SEPA bank transfer (which free of charge) from my regular bank account. The funds showed up less than 24 hours after I had made the transfer, which was fantastic!

My Crowdestate Dashboard

The dashboard is very simple and easy to use. It is well organized and allows users to get an overview at one glance. It reminds me of Mintos.

My auto-invest portfolio

Crowdestate has an important and useful auto-invest functionality. Other users have reported that new loans are often immediately absorbed by auto-invest portfolios, hence it is recommended to create and auto-invest portfolio as early as possible.

I decided to only invest in Real Estate and Mortage, and not in Corporate Finance loans, due to the missing buyback guarantee. For Corporate Finance loans, I prefer Mintos.

As a conservative investor, I adjusted my auto-invest settings as below: