My first investment
✅ 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
✅ 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
So far, I would describe my experience with Crowdestate as a mixed bag of feelings. It took the platform a couple of weeks to absorb my initial 2000 EUR investment.
This being said, the auto-invest did a great job diversifying my investment across 6 different projects, with different loan periods, LTVs, and a balanced expected rate of return.
Overall the interface of the platform remains confusing and not as intuitive as other platforms.
Important: Different from regular P2P lending platforms (Mintos, Swaper, etc.) P2P real-estate lending platforms do not produce the same regular monthly revenue. See below graphic for the payment forecase.
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 auto-invest portfolio
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: