InRento

InRento is Europe's first licensed buy-to-let platform: investors jointly finance rented properties and earn ongoing rental income plus a share of capital appreciation. p2p-investments.de rates InRento C (6.2/10) with medium data coverage. The model is cleverly built — genuine asset-backed collateral, monthly payouts and a so-far spotless default record. The constraint is the short history: the platform has not yet been through a real downturn. How we arrive at this grade is set out in our rating methodology.

What does InRento offer investors?

Instead of unsecured consumer loans, on InRento you finance the purchase of rented properties — mostly residential, plus hotels and commercial space across six EU markets. Every investment is a loan to the property operator secured by a first-rank mortgage. Loan-to-value ratios are conservative; the focus is on assets with ongoing rental income rather than speculative development.

Payouts are monthly rental income, topped up by a share of capital appreciation when the property is sold. The minimum is €500, and a secondary market for early exit exists — but there is no auto-invest, so every investment is made manually, project by project.

How we rate InRento

We score five criteria with fixed weights. The breakdown above summarises the points; here is the reasoning with evidence (as of June 2026).

Safety & regulation (7.0/10). UAB Inrento holds an ECSP licence (company code 305519977, valid since November 2023) that is verifiable in the Bank of Lithuania register. Structurally the security model is above average: first-rank mortgages at conservative LTVs on cash-flowing rental assets. Investor funds are held in escrow until the mortgage is registered. There is no buyback — protection rests on the property alone, and its resilience has not yet been tested in a real downturn.

Transparency (5.5/10). The fee model, the investment structure and a public statistics page are in place, and the founder (Gustas Germanavičius) and regulator are known. The key weakness: no independently verifiable, audited annual accounts for the operating company could be found, and the published statistics are platform-reported, not externally verified. What we cannot verify, we score conservatively.

Track record & stability (5.5/10). The record since late 2020 is clean: zero reported defaults across 185 projects, 99% repaid ahead of term, and strongly growing volume (over €104M funded). That is notable — but young. InRento has not been through a full property or interest-rate cycle, and the model allows extending a project's term so that delays do not show up as defaults. On top of that comes concentration in Lithuania (~54%) and hotel projects (~28%), which are more cyclical than residential.

Returns & terms (7.0/10). The reported actual return of 11.73% sits above the expected 9.34% — a rare alignment of advertised and realised figures, albeit over a short, benign period. The primary market is free; only the secondary market costs 2%. The one noticeable drag is the 15% Lithuanian withholding tax, generally creditable in Germany. More on weighing return against risk in our knowledge article on the returns and risks of P2P loans.

Investor-friendliness & liquidity (5.5/10). The monthly rental income and a working secondary market are genuine pluses. Against them stand a minimum that is high for P2P (€500), the missing auto-invest and the withholding tax — all factors that make broad diversification and automation harder.

Data coverage and open questions

Our grade rests on 16 of 25 evidence questions answered from solid sources — data coverage: medium. The licence and model are documented, but the performance figures are mostly platform-reported and not audited. Two questions stay open above all: audited accounts for the operating company, and a real-world test of the security model in a downturn. We will re-check both at the next update.

Who InRento is for

InRento is for investors who specifically want rental-property income and who accept the somewhat higher minimum and longer terms. If you value monthly payouts and real asset-backed collateral, you'll find a well-thought-out offering here. Anyone investing should factor in the short history, keep the amount small and not rely on the spotless past record alone. As with any P2P investment: invest only money whose temporary or permanent loss you can absorb, and spread across several platforms. The basics are covered in our knowledge article on P2P lending fundamentals; for context within the market, see the platform comparison.