Letsinvest Review 2025
Lithuanian Real Estate Crowdfunding Platform Analysis
Platform Overview
Platform Age
Launch Year
Projects Funded
Total Volume
Active Investors
Current Users
Average Investment
Per Investor
-
Investment Focus
Real estate bridge loans and development projects secured by first-rank mortgages on properties.
-
Expected Returns
8-12% annual returns, with historical average of 10.34% across all funded projects.
-
Safety Features
First-rank mortgages on all projects, maximum 70-75% LTV ratio, and rigorous due diligence.
-
Track Record
Zero defaults or delayed payments since platform launch, with perfect repayment history.
Company Background
Founded in 2020 and based in Vilnius, Lithuania, Letsinvest operates as an investment boutique for real estate investments. The platform is managed by 8 Stars UAB (registration code 303336450), a company that achieved profitability in its first year of operation.
The company is led by CEO Vytenis Kinduris, who brings over 25 years of experience in business development and real estate to his role as both founder and board chairman. According to official registration data, the company employs four insured individuals and reported sales revenue of €483,345 in 2023 with a net profit of €13,573.
What distinguishes Letsinvest from many competitors is its focus on larger projects and institutional-scale investments while still maintaining accessibility for retail investors. This approach has positioned the company as a boutique investment platform rather than a mass-market offering.
Investment Products
Letsinvest specializes in providing two main types of real estate investment opportunities:
- Bridge Loans: Short-term financing for real estate projects, typically with 6-12 month terms, secured by first-rank mortgages.
- Development Loans: Funding for construction and development projects with terms ranging from 12-24 months, also secured by first-rank mortgages.
The platform stands out for its focus on larger projects, with an average loan size exceeding €1 million in 2024. The platform has successfully funded projects up to €5 million, which represents a record amount for crowdfunding in Lithuania. All investments maintain a conservative Loan-to-Value (LTV) ratio of maximum 70-75%.
Investment Calculator
Total Return
Safety & Risk Analysis
Key Risk Factors
- Real estate investments are illiquid with no secondary market
- Property market fluctuations can impact collateral values
- Limited project diversification due to focus on larger investments
- Relatively short operating history (since 2020)
Regulatory Status
-
✓
Licensed European Crowdfunding Service Provider (ECSP)
-
✓
Supervised by Bank of Lithuania
-
✓
Complies with EU financial regulations
-
✓
Registered and operational since 2020
Investment Protection
-
✓
All loans secured by first-rank mortgages
-
✓
Conservative 70-75% maximum LTV ratio
-
✓
Thorough due diligence on all projects
-
!
No buyback guarantee
Track Record
-
✓
€60M+ total funding volume processed
-
✓
Zero defaults or delayed payments
-
✓
Profitable company operations
-
!
Limited operational history (5 years)
Risk Management Framework
Due Diligence
Extensive project evaluation by real estate experts
Conservative LTV
Safety buffer against market fluctuations
Legal Security
First-rank mortgages on all properties
Ongoing Monitoring
Regular project progress assessment
Platform Interface & Features
Dashboard Overview
Clean, professional interface showing portfolio status and available projects
Project Details
Comprehensive project information with financial data and property details
Portfolio Overview
Track your investments, returns, and upcoming payments
Investment Process
Simple, intuitive investment workflow
Project Information
-
✓
Detailed property specifications and location
-
✓
Professional property valuation reports
-
✓
Project timeline and milestone tracking
Project Types
-
✓
Residential development projects
-
✓
Commercial real estate
-
✓
Renewable energy ventures
Geographic Coverage
-
✓
Baltic region focus (Lithuania, Latvia, Estonia)
-
✓
Recent expansion to Southern Europe
-
✓
Northern European projects
Platform Limitations
No Secondary Market
Investments cannot be sold before project completion
No Auto-Invest
Manual investment selection required
Limited Project Frequency
Fewer but larger investment opportunities
Frequently Asked Questions
Letsinvest offers several safety measures:
- All investments are secured by first-rank mortgages on real estate
- Conservative LTV ratios (maximum 70-75%)
- ECSP licensing and regulatory oversight by Bank of Lithuania
- Perfect track record with zero defaults or late payments since inception
However, as with all investments, your capital is at risk and returns are not guaranteed. Real estate investments are subject to market fluctuations and economic conditions.
The minimum investment amount on Letsinvest is €100 per project. This relatively low entry threshold allows retail investors to participate in institutional-scale real estate projects that would typically require much larger capital commitments.
While the minimum is €100, the average investment per user is approximately €69,000, indicating that many investors choose to commit larger amounts to each project.
Letsinvest offers investments with the following terms:
- Bridge loans: Typically 6-12 months
- Development loans: Usually 12-24 months
- Most projects average around 12 months
Interest payments can be structured either as monthly distributions or as bullet payments at maturity, depending on the specific project. The platform focuses on short to medium-term investments rather than long-term commitments.
No, Letsinvest does not currently offer a secondary market for investments. This means that once you invest in a project, your capital is committed until the project reaches maturity.
The absence of early exit options is one of the platform’s limitations. However, this is somewhat mitigated by the relatively short investment terms (typically 6-24 months) compared to traditional real estate investments.
Investors should only commit capital they won’t need access to during the full term of the project.
Letsinvest does not charge any fees to investors. The platform follows a borrower-pays model, meaning all fees are covered by the project owners/developers.
This fee structure allows investors to receive the full stated interest rate without any deductions for platform fees, account maintenance, or investment fees.
The absence of investor fees is a significant advantage compared to many other investment platforms that charge management fees, success fees, or withdrawal fees.
Market Comparison
Platform Comparison
| Feature | Letsinvest | EstateGuru | Crowdestate | BulkEstate |
|---|---|---|---|---|
| Average Returns | 10.34% | 9.80% | 11.20% | 10.00% |
| Minimum Investment | €100 | €50 | €100 | €50 |
| Average Loan Size | €1M+ | €300K | €500K | €200K |
| Secondary Market | ✗ | ✓ 2% fee | ✓ 0.75% fee | ✓ 1% fee |
| Auto-Invest | ✗ | ✓ | ✓ | ✓ |
| Default Rate | 0.00% | 7.50% | 8.10% | 4.20% |
| ECSP Licensed | ✓ | ✓ | ✓ | ✓ |
Top Alternatives
🔍 Letsinvest Differentiators
- Highest average investment size per user (€69,000) in the sector
- Focus on larger projects (€1M+ average, up to €5M)
- Perfect track record with zero defaults or late payments
- Boutique investment approach with focused project selection
Getting Started
Create Your Account
Complete the registration form with your basic information including name, email address, and create a secure password.
Identity Verification
Complete the KYC (Know Your Customer) process by submitting required identity documents and proof of residence. This verification is typically completed within 1-2 business days.
Add Funds
Transfer funds to your Letsinvest account using bank transfer. The minimum deposit amount is €100, but you can start with any amount you’re comfortable with.
Start Investing
Browse available projects, review the details, and select your investments. You can invest as little as €100 per project, allowing for diversification across multiple opportunities.
Account Verification Requirements
Personal Information
- ✓ Full legal name
- ✓ Date of birth
- ✓ Residential address
- ✓ Contact information
Required Documents
- ✓ Government-issued ID or passport
- ✓ Proof of address (utility bill, bank statement)
- ✓ Selfie holding your ID document
- ✓ Source of funds information
Deposit Methods
SEPA Bank Transfer
International Wire
Tax & Reporting
Tax Documents
Annual Statement
Comprehensive yearly report showing all interest earned, principal repayments, and ongoing investments. Available for download in PDF format.
Transaction History
Detailed log of all account activities including investments, interest payments, and withdrawals. Exportable in CSV format for easy tax reporting.
Investment Certificates
Individual investment confirmation documents for each project, including terms, interest rates, and payment schedules useful for tax purposes.
Reporting Features
Portfolio Overview
Real-time dashboard showing current investments and returns
Data Export
Export transactions in CSV format for accounting purposes
Payment Calendar
Schedule of upcoming interest and principal payments
Tax Considerations by Region
European Union
- Interest income typically taxed as capital gains
- Tax rates vary by country (15-35% range)
- Income reporting facilitated through annual statements
- Subject to EU financial reporting standards
International Investors
- No withholding tax applied at source
- Tax obligation in investor’s country of residence
- May benefit from double taxation treaties
- Self-reporting responsibility varies by jurisdiction
Important Notice
- • Tax advice provided here is general information only
- • Consult a tax professional for personalized advice
- • Tax laws vary significantly between countries
- • Tax regulations may change over time
Tax Efficiency Tips
- • Download and save reports at the end of each tax year
- • Maintain records of all investment transactions
- • Consider tax-advantaged investment structures if available
- • Track currency exchange rates for accurate reporting
Final Verdict
Key Takeaways
- Impressive track record with zero defaults since platform launch
- European Crowdfunding Service Provider (ECSP) regulated platform
- Strong security with first-rank mortgages and 70-75% LTV limits
- Focus on larger projects (€1M+) with institutional quality
- Competitive returns averaging 10.34% annually
Recommended For
- Investors seeking exposure to larger real estate projects
- Those who prioritize loan security and collateral
- Investors comfortable with medium-term commitments (6-24 months)
- Risk-conscious investors seeking stable returns
- Investors with higher capital amounts (€5,000+)
Consider Alternatives If
- You need high liquidity and quick access to funds
- You prefer automated investment (auto-invest) features
- You’re looking for very short-term investments (< 6 months)
- You want a platform with extensive operating history
- You need a secondary market for early exits
Ready to Invest with Letsinvest?
Start from just €100 per project
* Investment involves risk. The value of your investment can go down as well as up. Past performance is not a guarantee of future results. Always conduct your own due diligence before investing.
Listen to Our Letsinvest Review
Listen to our audio summary of the Letsinvest review while browsing or on the go. Duration: 2:00
Why listen? Get the key highlights of our in-depth Letsinvest analysis including returns, risks, and who this platform is best suited for.
