{"id":94089,"date":"2026-11-13T11:01:26","date_gmt":"2026-11-13T10:01:26","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=94089"},"modified":"2026-11-13T11:06:32","modified_gmt":"2026-11-13T10:06:32","slug":"playa-de-las-americas-9-75-debt-financing-for-an-operating-aparthotel-in-tenerife","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/en\/2026\/11\/13\/playa-de-las-americas-9-75-debt-financing-for-an-operating-aparthotel-in-tenerife\/","title":{"rendered":"Playa de las Am\u00e9ricas: 9.75% debt financing for an operating aparthotel in Tenerife"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"94089\" class=\"elementor elementor-94089 elementor-94087\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-65e8f60b e-flex e-con-boxed e-con e-parent\" data-id=\"65e8f60b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d5ba8b2 elementor-widget elementor-widget-text-editor\" data-id=\"6d5ba8b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p>Next <strong>Monday, 16 November, at 16:00 (UTC+1)<\/strong>, we will open <strong>the<\/strong> <a href=\"https:\/\/urbanitae.com\/en\/project\/P000534\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Playa de las Am\u00e9ricas project<\/strong><\/a> for investment. This new debt investment opportunity is secured against an existing, operating aparthotel in southern Tenerife.<\/p>\n\n<p>Urbanitae investors will contribute <strong>\u20ac3.5 million<\/strong> towards a senior mortgage-backed loan. The transaction has a term of <strong>24 months<\/strong> and a fixed interest rate of <strong>9.75% per annum<\/strong>, with one distinctive feature: part of the interest will be paid quarterly throughout the loan term.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Investment opening:<\/strong> Monday, 16 November, at 16:00 (UTC+1).<\/li>\n\n<li><strong>Webinar:<\/strong> Monday, 16 November, at 12:00 (UTC+1) \u2013 <a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_zY6LWhFoSJ6b_CDAZC4zyQ\" target=\"_blank\" rel=\"noreferrer noopener\">register here<\/a>.<\/li>\n\n<li><strong>Urbanitae investment tranche:<\/strong> \u20ac3,500,000.<\/li>\n\n<li><strong>Term:<\/strong> 24 months + possible 12-month extension.<\/li>\n\n<li><strong>Interest:<\/strong> 9.75% per annum.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">An aparthotel already in operation<\/h2>\n\n<p>The asset is <strong>BARRANCO Chic! Apartments<\/strong>, an aparthotel located in the heart of Playa de las Am\u00e9ricas, in the municipality of Arona.<\/p>\n\n<p>It comprises <strong>106 two-key-rated apartments and five retail units<\/strong>, each with independent access from the street.<\/p>\n\n<p>The property was acquired in 2019 for \u20ac12.5 million and subsequently underwent a complete refurbishment, with construction expenditure of nearly \u20ac10 million. It has been open and operating since 2020, so unlike a conventional property development, <strong>there is no construction or planning-permission risk<\/strong>.<\/p>\n\n<p>The aparthotel is approximately 400 metres from the beach and lies within the Arona\u2013Costa Adeje tourism corridor, one of the Canary Islands&#8217; main holiday destinations.<\/p>\n\n<h2 class=\"wp-block-heading\">An asset already generating rental income<\/h2>\n\n<p>Another distinguishing feature is that the investment is backed by a stabilised property already generating cash flow.<\/p>\n\n<p>The aparthotel is operated by <strong>Alegr\u00eda Hotels<\/strong> under a long-term lease. In recent years, it has recorded occupancy rates exceeding 82%.<\/p>\n\n<p>The agreement includes fixed rent linked to the Consumer Price Index (CPI) and a variable component tied to performance. Rental income from the five retail units provides an additional revenue stream.<\/p>\n\n<p>Overall, the asset generated approximately <strong>\u20ac1.8 million in rental income in 2025<\/strong>, of which around \u20ac1.6 million came from fixed components. These revenues provide a margin of coverage for the loan interest payable quarterly.<\/p>\n\n<h2 class=\"wp-block-heading\">What will the loan be used for?<\/h2>\n\n<p>Total financing amounts to <strong>\u20ac16.45 million<\/strong>, with Urbanitae investors contributing \u20ac3.5 million and the remainder provided by co-investors.<\/p>\n\n<p>The loan has two main purposes.<\/p>\n\n<p>Firstly, it will <strong>repay the \u20ac9.21 million of existing bank debt<\/strong> secured against the property. In other words, the new financing replaces the loan currently secured on the asset.<\/p>\n\n<p>Secondly, it will enable a <strong>\u20ac6.29 million recapitalisation<\/strong>, allowing the shareholder to recover part of the capital previously invested in the project.<\/p>\n\n<p>In other words, we are not financing the construction of a new property: the asset already exists, has been refurbished and generates income. The new financing reorganises its debt and capital structure around an already stabilised property.<\/p>\n\n<h2 class=\"wp-block-heading\">How does the 9.75% interest rate work?<\/h2>\n\n<p>The contractual interest rate is <a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/10\/06\/real-estate-crowdfunding-what-lies-behind-advertised-returns\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>fixed at 9.75% per annum<\/strong><\/a>, but it is split into two components:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>5.75% per annum will be paid quarterly in cash<\/strong>, using the cash flow generated by the property&#8217;s rental income.<\/li>\n\n<li>The <strong>remaining 4%<\/strong> may also be paid in cash or, at the borrowing company&#8217;s discretion, <strong>capitalised<\/strong>.<\/li>\n<\/ul>\n\n<p>If that 4% is capitalised, it is not paid in the relevant quarter. Instead, it is added to the outstanding loan balance and paid later. That amount also begins to accrue interest.<\/p>\n\n<p>Therefore, <strong>the interest rate is not variable<\/strong>: it remains 9.75% per annum. What may change is when the investor receives part of that return.<\/p>\n\n<p>The transaction also includes a <strong>minimum return equivalent to 18 months&#8217; interest<\/strong>, approximately 14.6%, in the event of early repayment.<\/p>\n\n<h2 class=\"wp-block-heading\">First-ranking mortgage and a 54.5% LTV<\/h2>\n\n<p>The loan is secured by a <a href=\"https:\/\/blog.urbanitae.com\/en\/2025\/05\/26\/mortgage-backed-loan-what-it-is-and-why-its-key-in-real-estate-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>first-ranking mortgage<\/strong><\/a> <strong>over the aparthotel<\/strong>, together with additional security:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>First-ranking pledge over the shares in the borrowing company.<\/li>\n\n<li>Pledge over its bank accounts.<\/li>\n\n<li>Pledge over receivables arising from the lease agreements.<\/li>\n<\/ul>\n\n<p>The total loan represents <strong>54.5% of the property&#8217;s appraised value<\/strong>, which stands at \u20ac30.17 million.<\/p>\n\n<p>LTV measures debt relative to a property&#8217;s value. In this case, the loan represents slightly more than half its current valuation.<\/p>\n\n<p>The transaction also sets a <a href=\"https:\/\/blog.urbanitae.com\/en\/2023\/05\/07\/what-is-loan-to-value\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>maximum LTV of 57.5%<\/strong><\/a>. If the ratio exceeds 55%, a <em>cash sweep<\/em> is triggered: all available net cash flow from the asset must be used to repay debt until leverage is reduced again.<\/p>\n\n<h2 class=\"wp-block-heading\">How will the loan be repaid?<\/h2>\n\n<p>The expected term is <strong>24 months<\/strong>, although there is a possible extension of a further 12 months.<\/p>\n\n<p>The primary planned exit is through <a href=\"https:\/\/blog.urbanitae.com\/en\/2026\/08\/21\/how-to-invest-in-real-estate-crowdlending-how-it-works-analysis-and-risks\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>refinancing or selling the asset<\/strong><\/a>.<\/p>\n\n<p>Refinancing means that, at maturity, a new lender provides a loan secured against the aparthotel, and those funds are used to repay the existing debt. This is common for income-producing properties that can remain in operation for many years: the maturity of a loan does not necessarily mean the owner must sell the property.<\/p>\n\n<p>Selling the entire aparthotel is another potential exit route. The documentation also considers other alternatives, including a possible sale of individual units.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-9a98053 e-flex e-con-boxed e-con e-parent\" data-id=\"9a98053\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29d471f elementor-widget elementor-widget-video\" data-id=\"29d471f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=5JqDQlu7YMQ&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a97dab2 e-flex e-con-boxed e-con e-parent\" data-id=\"a97dab2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ef70c8 elementor-widget elementor-widget-text-editor\" data-id=\"9ef70c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\">Why invest in Playa de las Am\u00e9ricas?<\/h2>\n<p><\/p>\n<p>We believe <a href=\"https:\/\/urbanitae.com\/en\/project\/P000534\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Playa de las Am\u00e9ricas<\/strong><\/a> has an unusual structure compared with many of our debt projects: rather than financing a development under construction, the loan is secured against a <strong>completed, stabilised asset that already generates recurring rental income<\/strong>.<\/p>\n<p><\/p>\n<p>Key highlights include:<\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Fixed interest of 9.75% per annum<\/strong>.<\/li>\n\n<li>Quarterly cash payments of part of the interest.<\/li>\n\n<li><strong>Minimum return of 18 months&#8217; interest<\/strong>, equivalent to approximately 14.6%.<\/li>\n\n<li><strong>First-ranking mortgage<\/strong> over the asset.<\/li>\n\n<li>Initial <strong>LTV of 54.5%<\/strong>, with a maximum limit of 57.5%.<\/li>\n\n<li><em>Cash sweep<\/em> if LTV exceeds 55%.<\/li>\n\n<li>Approximately <strong>\u20ac1.8 million in annual rental income<\/strong>.<\/li>\n\n<li>No construction or planning-permission risk.<\/li>\n\n<li>Aparthotel operating since 2020, with occupancy rates above 82%.<\/li>\n\n<li>Location in <strong>Playa de las Am\u00e9ricas<\/strong>, one of Tenerife&#8217;s main tourist destinations.<\/li>\n<\/ul>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Estimated timetable<\/h2>\n<p><\/p>\n<p>The loan&#8217;s standard term is <strong>24 months<\/strong>, with a possible 12-month extension.<\/p>\n<p><\/p>\n<p>The main expected milestones are:<\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>November 2026:<\/strong> loan granted and existing bank financing repaid.<\/li>\n\n<li><strong>Quarterly:<\/strong> payment of the cash interest component, equivalent to 5.75% per annum.<\/li>\n\n<li><strong>November 2028:<\/strong> expected refinancing or sale of the asset and repayment of principal and any capitalised interest.<\/li>\n<\/ul>\n<p><\/p>\n<h2 class=\"wp-block-heading\">Have questions about the project?<\/h2>\n<p><\/p>\n<p>You can ask your questions during the <a href=\"https:\/\/us02web.zoom.us\/webinar\/register\/WN_zY6LWhFoSJ6b_CDAZC4zyQ\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Playa de las Am\u00e9ricas webinar<\/strong><\/a>, which we will hold on <strong>Monday, 16 November, at 12:00 (UTC+1)<\/strong>.<\/p>\n<p><\/p>\n<p>The project will <a href=\"https:\/\/urbanitae.com\/en\/project\/P000534\/\" target=\"_blank\" rel=\"noreferrer noopener\">open for investment<\/a> on <strong>Monday, 16 November, at 16:00 (UTC+1)<\/strong>.<\/p>\n<p><\/p>\n<p>You can also email us at <a href=\"mailto:contacto@urbanitae.com\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>contacto@urbanitae.com<\/strong><\/a> or call us on <strong>(+34) 911 23 25 22<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Playa de las Am\u00e9ricas finances an operating aparthotel in Tenerife, with 106 apartments, \u20ac1.8 million in annual rental income, a first-ranking mortgage, 54.5% LTV and a fixed annual return of 9.75%.<\/p>\n","protected":false},"author":1,"featured_media":94101,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"categories":[1076,926],"tags":[72],"class_list":["post-94089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt","category-projects","tag-urbanitae"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Invest in hotels in Tenerife: Playa de las Am\u00e9ricas<\/title>\n<meta name=\"description\" content=\"Discover how to invest in hotels in Tenerife with Playa de las Am\u00e9ricas: operating aparthotel, first-rank mortgage and 9.75% annual return.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/en\/2026\/11\/13\/playa-de-las-americas-9-75-debt-financing-for-an-operating-aparthotel-in-tenerife\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Playa de las Am\u00e9ricas opens a hotel debt opportunity at 9.75%\" \/>\n<meta property=\"og:description\" content=\"A new debt opportunity on an operating aparthotel in Tenerife, with a first-ranking mortgage, recurring rental income and 9.75% annual return. Discover the project.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.urbanitae.com\/en\/2026\/11\/13\/playa-de-las-americas-9-75-debt-financing-for-an-operating-aparthotel-in-tenerife\/\" \/>\n<meta property=\"og:site_name\" content=\"Urbanitae Blog | The best real estate investment news\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/urbanitae\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-13T10:01:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-13T10:06:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2026\/11\/Proyecto-Playa-de-las-Americas.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Equipo Urbanitae\" \/>\n<meta name=\"twitter:card\" 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Invest in hotels in Tenerife: Playa de las Am\u00e9ricas. Investir dans des h\u00f4tels \u00e0 Tenerife : Playa de las Am\u00e9ricas. Investire in hotel a Tenerife: Playa de las Am\u00e9ricas. Investir em hot\u00e9is em Tenerife: Playa de las Am\u00e9ricas. 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