DI with a mortgage: how leverage affects your returns

Real estate leverage can double your IRR by reducing invested capital, but it also increases risk. Key insights to use a mortgage effectively.

Real estate leverage can double your IRR by reducing invested capital, but it also increases risk. Key insights to use a mortgage effectively.

The Urbanitae-KPMG Observatory analyses developer financing in Spain: €39 billion invested, more alternative capital and growth in crowdfunding.

A 13% annual mezzanine deal to reposition a hotel and develop two luxury villas on the Tuscan coast, near Forte dei Marmi.

In real estate crowdfunding, growth doesn’t end when you get paid: disciplined reinvestment can multiply the compounding effect.

Not all real estate projects carry the same risk: debt and income strategies can help build a more stable and predictable portfolio.

Development of 24 homes in Playa de Aro, by the beach and in an area with limited new-build supply, managed by a team with strong local experience.

Real estate debt project to build a luxury villa in Finca Cortesín, with 11% annual return, first-ranking mortgage and land already acquired.

Remote work does not eliminate the office, but it does reshape the market: quality, location and adaptability now matter more.

Urbanitae surpasses €70 million in Q1 2026, with growth in debt, equity, direct investments and commercial real estate assets.

Turning savings into investments is not about products, but about method: goals, a safety cushion and consistency over time.