Separate structure
Each project has its own SPV and one property.
Investment secured
by real estate.
We operate on a short horizon of 6 to 24 months, on opportunities with appreciation potential. We open specific projects privately — after getting to know each other and qualification.
Invest alongside us
We put our own capital into every project and release limited capacity for you as well.
Diversification
We recommend investing smaller amounts across several projects rather than one larger amount in a single one.
Investment secured by real estate
Clean and transparent participation in a specific investment project.
Regular project reporting
Full transparency on progress.
Passive participation
with full visibility.
We offer the option of passive capital participation in projects in which we invest our own capital. Our philosophy is to source and open opportunities primarily to deploy our own resources. However, since we want to diversify our investments effectively and open larger projects, we also release limited capacity to others.
Project by project,
fully transparent.
6–24 months
Purchase, renovation and sale. We do not tie up capital for years.
Partner participation limit
Your participation is at most 20% of the investment value.
Invest on your own
or with us?
| Area | With  | On your own |
|---|---|---|
| Deal flow | Private off-market offers below market price | You search alone, few off-market offers |
| Due diligence | Vetted by our team (legal / technical / market) | Your own risk, learning as you go |
| Contractors & renovation | Proven teams, volume pricing | You source tradespeople, higher prices |
| Overhead & time | We handle all the overhead — you stay passive | Everything yourself, full-time effort |
| Structure & financing | SPV, shared costs | You handle it yourself |
| Risk | Experience + diversification | Concentrated on you |
| Result | overhead saved + better deal flow | full overhead + your time |
A simple apartment example.
Model project — enter the market price of the apartment and its area, and the table calculates how you fare on your own versus working with Renesant. Each item scales via a coefficient based on price and m². It works the same way for larger projects, such as an apartment building.
Investor leverage — LTV (loan-to-value): the share of the purchase price financed by a bank loan. The rest is your invested capital; at 0% you invest the entire amount yourself.
Assumptions
- PurchaseOn your own you typically buy ~5% below market; we, thanks to off-market offers, target ~15% below market (not guaranteed) — we reach opportunities before they appear in listings.
- Agent commission3% on purchase and 3% on sale of the property.
- RenovationOn your own ~€635/m²; with us ~€540/m² through proven contractors.
- Ownership costs~€2.70/m² per month (utilities, tax, management, insurance) — with us the project takes half the time, so you pay half.
- Loan (leverage)Whether you take a loan for the purchase is your decision — not ours; the calculation uses interest of 3.9% p.a. (average new mortgage rate, National Bank of Slovakia, Aug 2026) and a bank finances at most 80% of the purchase price (NBS LTV limit)
- Renesant fee5% of the renovation costs — for management and execution from purchase to sale.
- Sale priceAfter the transformation we sell ~35% above the apartment's original market price.
- Hidden costs (on your own)~320 hours of your time (searching, viewings, construction supervision) + 12 months of lost rent — often forgotten in the calculation.
Scenarios — net profit with Renesant (after tax)
You choose the loan level (leverage) with the slider above — the bank finances a part, the rest is your invested capital. Without a loan you invest the entire amount; with a loan you invest less and your appreciation grows (as does the risk). Renesant does not take a loan into the structure. Project profit = sale price − costs. Your net income is highlighted. Illustrative and not guaranteed; exact terms are set by the SPV documentation. This is not a public offering of securities.
* In this particular example the project takes 12 months on your own and 6 months with Renesant. In reality a project can take 6–24 months — with us that time is roughly 50% shorter. Income tax is calculated as 19% of profit (individual); under an SPV structure taxation differs.
Let's transform the next
property together.
We open opportunities privately to qualified investors. Leave us your contact details and a short message. Our CEO will get back to you.
JUDr. Oliver Poláček, MBA, MREDFounder and CEO, Renesant
