Estateguru vs. InRento
Estateguru and InRento are European real estate platforms. InRento focuses on rental properties that generate monthly income. Its track record is positive and the platform is growing quickly, although that may also introduce new risks. Estateguru has a longer track record and larger volume, but also a history of problem loans.
Note: investing through online crowdfunding platforms involves risks. You may lose part or all of your investment.
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Estateguru vs InRento
Estateguru and InRento are two international real estate crowdfunding platforms, but they operate in different ways. With Estateguru, you mainly invest in property-backed loans for developers and businesses. These can offer attractive interest rates, but delays or problems during construction and development can create significant risks.
InRento focuses on rental properties, where rental income forms an important part of the return. Many properties generate income immediately, which can help reduce risk. However, yields remain relatively high and overall volumes are still limited. As a result, InRento’s track record still needs to prove itself over a longer period.
Other platforms that investors often compare with these two are Mintos, Debitum and Indemo.
| Estateguru | InRento | |
|---|---|---|
| Founded | 2014 | 2020 |
| Total funded | 950+ million euro | 100+ million euro |
| Focus | Real estate loans | Rental properties |
| Source of returns | Mainly interest | Rental income and capital appreciation |
| Active in | 8 European countries | 8 European countries (from 2026) |
| Average return | Approximately 10 to 11 percent | Approximately 8 to 12 percent |
| Secondary market | Yes | Yes |
| ECSP license | Yes | Yes |
Invest via Mintos, Europe’s P2P leader with 11.62% average return, or EstateGuru for property-secured real estate loans across Europe. Investing involves risks. You can lose your investment.
Returns
Both Estateguru and InRento communicate average returns of around 10 percent per year. For both platforms, these are expected returns rather than guaranteed outcomes. Investors face development and renovation risks, as well as the risk that borrowers fail to meet their obligations.
Estateguru
We have been investing through Estateguru since 2021. During the first years, we experienced a relatively high number of problem loans. Performance has improved since then, and our actual return is now around 7.6 percent. This return comes from interest payments and is generally known in advance, unless the borrower fails to meet the agreed terms.
Over the years, Estateguru has tightened its screening process, resulting in fewer loans falling behind on payments. Nevertheless, property developments and business loans secured by real estate remain relatively risky investments. Estateguru also offers EG Grow, its own investment fund currently targeting a fixed return of 7 percent. The fund invests in a diversified portfolio of loans, helping to reduce the impact of individual project failures.
InRento
At InRento, returns come from rental income and changes in property value. Many projects generate rental income from day one, but the platform also finances properties that first need to be renovated or converted into hotels, apartments or rental homes.
The platform targets an average return of 9.3 percent. However, actual returns depend on occupancy rates, rental income and the final sale value of the property. This can work out positively or negatively, meaning returns may disappoint even when a project develops according to plan.
Estateguru also offers EG Grow, its own investment fund currently targeting a fixed return of 7 percent.
Track record and late payments
Besides the source of returns, there is a major difference in track record between Estateguru and InRento. Estateguru has been operating since 2014 and has funded nearly 1 billion euro in real estate loans. The platform has also gained experience during less favourable market conditions.
That experience comes with a downside. Some of the problem loans from previous years are still not fully resolved. As a result, certain investors are still waiting for partial repayments.
InRento is younger and operates at a smaller scale. This means less historical data is available. At the same time, the platform has experienced relatively few issues so far. In 2026, InRento expanded into Finland and Romania, bringing its presence to around 8 European countries, similar to Estateguru.
Realised returns currently stand at 11.7 percent, above the platform’s own expectations. However, with a funded volume of roughly 100 million euro, it remains to be seen how the platform performs as volumes increase and market conditions become more challenging.
At InRento, realised returns of 11.7 percent are currently above the platform’s own expectations.
Invest via Mintos, Europe’s P2P leader with 11.62% average return, or EstateGuru for property-secured real estate loans across Europe. Investing involves risks. You can lose your investment.
Diversification and liquidity
Estateguru offers by far the largest selection of projects. At any given time, dozens of opportunities are available across different countries and property types. This makes it relatively easy to diversify across multiple loans. Investors can also gain exposure through the platform’s own fund.
InRento offers fewer projects. On the other hand, many investments involve rental properties with multiple tenants. As a result, a certain degree of income diversification may already exist within a single project.
Conclusion
Our preference depends on the type of investor. Those looking for broad diversification and a large platform may prefer Estateguru. Investors who do not want to select individual projects themselves may find the EG Grow fund attractive, as it currently targets a return of 7 percent.
If a return of around 7 percent is sufficient, Estateguru’s longer track record may be an important advantage. For investors targeting higher returns, our current experience with InRento is more positive. We are gradually increasing our exposure there and currently achieve average returns above 10 percent on projects in Lithuania.
At the same time, a more selective approach often results in less diversification, and past performance does not guarantee future results. Investing through crowdfunding involves risk. You may lose part or all of your investment. Ultimately, only time will show which platform delivers the best long-term results.
