Crowdestate Review 2025: My Results after 21 Months
Real estate crowdfunding platform offering 14%+ returns on European property development loans
Quick Verdict
Crowdestate is an excellent real estate crowdfunding platform with carefully selected deals yielding around 14%. After 21 months of investing, I've gained 193.26 Euros with no defaults and an XIRR of 8.21%. The platform is easy to use with good auto-invest features and an active secondary market.
Try CrowdestateWhat is Crowdestate?
Crowdestate is a real estate crowdfunding platform based in Estonia, that mainly offers to invest in real estate development loans in Europe. The projects that are on the platform are usually from a duration of 1 to 4 years, and have very nice yields, usually above 14%.
The nice thing with Crowdestate is that they really carefully select the deals that they put on their platform. As they mention on their site, only 5% of the projects that they examine actually end up on the platform. Note that they also have some more business related loans, but that's only a small part of the projects that are available.
I actually had the opportunity to visit Crowdestate at their office in Tallinn in September 2019 and it was awesome! I met the whole team and we had a day trip with the CEO of Crowdestate Loit Linnupõld to see projects that are listed on the platform, as well as past projects. It was so nice to see what projects listed on the platform actually look like, and to see how investors' money can help create great real estate projects.
What Returns Can You Expect?
Real returns based on my investing experience
The expected future yield of 13.73% perfectly aligns with the typical project yields of around 14% available on Crowdestate. For most projects, you will get interest payments throughout the term of the loans (for example every 6 months), with a larger payment of the principal plus remaining interests at the end of the term. Therefore, it's a good strategy to invest in new projects every month to end up with a regular flow of income on this platform.
My current XIRR from the platform is at 8.21%, and rising month after month as projects are being completed & the capital returned. I expect to have better gains in the future as some projects come to their completion date and I get my capital back with interests.
Key Platform Features
Crowdestate offers several features that make investing easier and more efficient
Auto-Invest Function
Automatically invest in new deals that match your criteria before manual investors, with precise control over project selection
Active Secondary Market
Buy and sell investments with low premiums (under 2%), allowing for portfolio diversification and early exit options
Regular Interest Payments
Most projects pay interest throughout the loan term (e.g., every 6 months), creating consistent cash flow
The auto-invest function is the best way to ensure you don't miss out on new deals, as projects tend to fund very quickly on the platform
Is Crowdestate Safe?
Key safety features and regulatory compliance
Strict Project Selection
Only 5% of examined projects are accepted on the platform, ensuring high-quality investment opportunities
Property-Secured Loans
All real estate loans are secured by the property itself, providing strong protection in case of default
Estonia-Based & Regulated
Platform operates from Estonia with proper licensing and regulatory oversight
Transparent Reporting
Detailed project information and clear performance tracking for all investments
🏗️ Real Estate Development Focus
Crowdestate primarily focuses on real estate development loans in Europe, with projects typically lasting 1-4 years. All loans are secured by the underlying property, which means that even in case of default, there is a very good chance investors will recover their capital through the collateral.
✅ Project Selection Process
The platform has a rigorous selection process, with only 5% of examined projects actually making it onto the platform. This careful vetting process helps ensure that only high-quality projects with good risk-return profiles are offered to investors.
📈 Track Record
After 21 months of investing on the platform, I have experienced zero defaults across my portfolio. The platform has consistently delivered returns in line with expectations, with an average yield around 14% as initially promised.
Getting Started on Crowdestate
Open Your Account
Sign up on Crowdestate in less than 5 minutes. ID verification is only required for withdrawals and can be done after your first investment.
Deposit Funds
Transfer money via bank transfer. Funds typically arrive within 2 days. You can start with as little as €100.
Set Up Auto-Invest
Configure your auto-invest settings to automatically invest in projects matching your criteria (minimum yield, term, risk level). This ensures you don't miss out on new deals.
Browse & Invest
Explore available projects on the primary or secondary market. Review detailed project information and invest manually or let auto-invest handle it for you.
Pros & Cons
✅ Pros
- ✓Carefully selected deals - only 5% of examined projects make it to the platform
- ✓High yields of 14%+ on most projects
- ✓All loans secured by real estate property
- ✓No defaults experienced after 21 months
- ✓Easy to use platform with excellent auto-invest function
- ✓Active secondary market with low premiums (under 2%)
- ✓Regular interest payments throughout loan terms
- ✓Transparent project details and documentation
- ✓Visit to their Tallinn office showed professional operations
- ✓Growing returns month over month
❌ Cons
- ✗Limited number of new projects available - they fund quickly
- ✗Long-term projects (1-4 years) mean delayed returns
- ✗Some returns slightly lower than initially expected
- ✗XIRR still growing - takes time to reach full expected yield
- ✗Must use auto-invest to access best deals before others
My Investment Results
So far, I gained a total of 193.26 Euros on the platform, with an expected future yield of 13.73%, which perfectly makes sense as I invested in projects that yield around 14%. So far, I still didn't have any defaults in the project I invested in. As I mentioned earlier, a lot of the projects on the platform are long-term, therefore I only expect most of the gains coming about 12 to 18 months after my first investments. Some of the returns were a bit lower than expected, but so far on average I still got a yield around 14% - which is better than other similar platforms.
As you can see from the graphs, I am seeing growing gains since I started investing on the platform, and I expect to have better gains in the future as some projects come to their completion date and I get my capital back with interests. My current XIRR from the platform is at 8.21%, and rising month after month as projects are being completed & the capital returned.
Final Verdict
I can definitely say that I am really happy so far with Crowdestate. The platform is really easy to use, and I really love the fact that they carefully select the deals they put on the platform. Also, as it's mainly real estate projects, all loans that you invest in are always secured by the property itself, meaning that even in case of default there is a very good chance you will get your money back. So far the platform returned interests in the range that was announced, with a nice yield of nearly 14%, and no defaults at all. Therefore, I really recommend that you try out Crowdestate. It's a great way to start investing in completely passive real estate by investing in high-quality real estate projects or to diversify an existing portfolio.