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InRento and Reental are not equivalent products. InRento (Lithuania) finances property projects with a first-ranking mortgage from €500, appears as no. 45 in the CNMV list of European providers (it is supervised by Lithuania, not the CNMV) and publishes 0% of projects in arrears with no stated methodology. Reental offers tokenised stakes from €100, is not in the CNMV register, and its exit depends on another user buying. Neither guarantees your capital.
Platform data reviewed on 3 November 2026 (the Estateguru and InRento websites and the CNMV list of European providers were re-read on 4 November). Reental figures as of 4 November 2026, provided by the company. Reental is one of the two parties compared and declares its conflict of interest: that is why every figure carries a source and a date, and why we say what we could not verify.
What is InRento?
InRento is a Lithuanian platform that finances property projects with a first-ranking mortgage: the investor receives monthly interest and gets the capital back at the end, with a capital gain on many projects. It is debt, not ownership of the property. Its website says it operates under a Bank of Lithuania licence under the European crowdfunding regulation, and Finantres dates that licence to 10 November 2023. The minimum investment is €500.
The CNMV does not supervise it in Spain, but it appears in the CNMV list of European providers that offer services in Spain as no. 45 (UAB INRENTO, since 23 February 2026), according to the list consulted on 4 November 2026. According to its FAQ, funds are held with the payment provider the investor chooses (Paysera or Mangopay) and not in an InRento account, and investments are not covered by deposit guarantee schemes.
It declares €136.84 million invested, 142 projects financed, €36.84 million of capital repaid and 5,768 active investors (read on 4 November 2026). These figures are self-declared and the website does not explain how it defines "invested". The projects it shows are in Finland, Latvia, Italy, Poland and Lithuania; its statistics mention "8 countries" without naming them.
Reental vs InRento, point by point
InRento pays the agreed interest on mortgage loans. Reental pays out income from tokenised property projects, under a different legal framework and with an exit that is not guaranteed. The table shows what each one publishes, with dates. The figures are not measured the same way, so we do not subtract one from the other.
| Aspect | InRento | Reental |
|---|---|---|
| What you buy | A loan for a property project, secured by a first-ranking mortgage, with monthly interest and capital at the end (InRento website). | Tokens representing stakes in property projects. In the US, interests in an LLC that owns the property; in Spain, tokenised securities representing credit rights under a participating loan (Reental FAQ). |
| Where the property is | Projects visible in Finland, Latvia, Italy, Poland and Lithuania (website, 4 November 2026). | Projects in the US and Spain; website examples: Miami 7 and Madrid 7. |
| Minimum investment | €500 (InRento website). | €100 (1 token = €100), according to Reental. |
| Published return | 11.56% average annual return (website). It advertises a fixed 7.75% to 11.5% depending on the project, plus 1.5% a year of capital gain on many. Finantres (8 May 2026): 11.82% actual against 9.35% expected. | Average historical IRR of 16.5%, a figure declared by Reental as of 4 November 2026. Estimated per project: 9.5% to 12% a year on the cards visible at reental.co/properties on 3 November 2026. These are different kinds of measure from InRento's. |
| Income payments | Monthly interest; capital at the end of the project. | Monthly, in USDT, with an option to reinvest (reental.co). |
| Term | Listed projects have maximum terms of 24, 30 or 36 months; projects already realised lasted 6 to 30 months (website, 4 November 2026). | Depends on the project. One website example: 8 months for Madrid 7. |
| Published default | 0% of projects in arrears, with no methodology or period (website). Finantres (8 May 2026): €0 of principal in arrears and €0 in recovery. | Reental declares that it has no public incidents (4 November 2026). We did not find a comparable default table on the pages we reviewed. |
| Investor fees | No sign-up or investment fee; 2% on card deposits and 2% to the seller on the secondary market (price list with no effective date). | See reental.co |
| Legal framework | European crowdfunding licence from the Bank of Lithuania; no. 45 in the CNMV list of European providers (23-2-2026). Not supervised by the CNMV. | Reental is not a crowdfunding platform authorised by the CNMV and does not appear in its register of crowdfunding service providers (checked on 3 November 2026). According to the company's legal documentation, its product does not require that authorisation. This means that investors do not have the specific safeguards of Regulation (EU) 2020/1503 (for example, the knowledge test, the loss simulation and the reflection period), and that their holding is not backed by any crowdfunding supervisor. |
| Deposit or investment guarantee | No: "Investments are not covered by deposit guarantee schemes" (InRento FAQ). | None found on the pages we reviewed. Its risk warning refers to total or partial loss of capital. |
| Exit before maturity | Secondary market with 2% for the seller; you need to find a buyer. | Direct sale to another user on the platform. Not guaranteed: it depends on there being a buyer. |
| Scale (self-declared) | €136.84 million invested and 5,768 active investors (4 November 2026). | About €106.9 million (approx. $124 million) tokenised across 128 projects, according to Reental on 4 November 2026. A different measure from InRento's. |
| Access from Spain | Appears in the CNMV list of European providers. Its website does not list the countries of residence accepted: confirm before registering. | Spanish residents: 19% withholding tax already applied, according to the website. |
Reental's portfolio as of 4 November 2026
According to the data Reental provides, 77 projects are live, adding up to about €87 million (approx. $101 million). Of these, 50 are operating, 20 under renovation, 6 under construction and 1 in financing: Miami 7, with $1.19 million raised of $2 million (59.7%). The 51 closed projects add up to about €19.9 million. Reental declares that it has no public incidents. These are company figures, not audited by third parties.
InRento returns: what each figure measures
| Figure | What it measures according to the source | Source and date |
|---|---|---|
| 11.56% | Website headline: "Average annual return". It does not say how it is calculated. | InRento website, 4 Nov 2026 |
| 7.75% to 11.5% | Advertised fixed interest depending on the project, plus 1.5% a year of capital gain on many. | InRento website, 4 Nov 2026 |
| 11.82% | Published average actual annual return. | Finantres, 8 May 2026 |
| 9.35% | Expected return, against the actual one above. | Finantres, 8 May 2026 |
The website figure (11.56%) and the Finantres figure (11.82%) are from different dates and we cannot reconcile them: we do not know which projects each one counts. An actual published return above the expected one does not guarantee that it will happen in future. Past returns are not a reliable indicator of future ones.
Reental declares an average historical IRR of 16.5% (as of 4 November 2026). It is a company figure and a different kind of measure: a historical aggregate of projects, not the fixed interest on a loan. We do not say whether it is gross or net because the figure provided does not specify. For that reason we do not set it next to InRento's 11.56% or 11.82%, and we do not calculate a difference between them.
InRento's 0% arrears: what the website says and what it does not
The InRento website shows 0% of projects in arrears (labelled "Defaulted projects"). It does not explain what counts as arrears, after how many days of delay, or over what period or set of projects. Finantres, as of 8 May 2026, also found no principal in arrears or in recovery. That is a favourable figure, but without a methodology it cannot be compared with the tables of other platforms that do spell out the criterion.
There is some context. With €36.84 million repaid against €136.84 million invested (27%, our own calculation and only if both figures measure the same thing), a large part of the portfolio has not yet matured. Listed projects have maximum terms of 24 to 36 months. A 0% today does not say how the projects still running will end.
What happens if a project is late, according to the InRento FAQ: InRento first contacts the project owner to agree how to settle the debt and, if there is no agreement, it may terminate the loan agreement and start recovery against the mortgaged property. Recovery can take from several months to several years, and what is recovered is shared among investors in proportion, after deductions.
Reental declares that it has no public incidents (company data as of 4 November 2026). That is not an arrears rate and is not equivalent to InRento's 0%.
What InRento charges, according to its price list
We read the price list on 4 November 2026. It carries no effective date.
| Item | What the list says |
|---|---|
| Sign-up and account administration | Free. |
| Investing | No fee. |
| Payment services | Paysera, at its own rates. Mangopay, free except for card deposits. |
| Card deposit (Mangopay) | 2% of the amount. |
| Sale on the secondary market | 2% of the sale price, paid by the seller. According to the FAQ, a reduced rate applies to premium investors. |
| Inactive account (Mangopay) | €30 a year if there are no transactions for more than 2 years. |
The list shows no specific withdrawal fee; Finantres says it is zero. If you depend on a particular withdrawal, confirm it with the payment provider you choose.
Terms, liquidity and reviews: when you get your money back
At InRento you get your capital back at the end of the project. Projects already realised lasted 6 to 30 months and one had an expected term of 48, according to the website. There is a secondary market with 2% for the seller, but you need to find a buyer. At Reental you can try to sell your tokens to another user on the platform, but nothing guarantees a buyer, a price or a timeframe.
On reputation, Finantres reports a 3.9 out of 5 rating on Trustpilot from 54 reviews (no exact date), recent complaints about occasional delays in interest payments, and reviews from 2026 describing delayed transfers after sales on the secondary market. We have not opened the original reviews: this is a second-hand reading. Money you may need in the next two years does not fit well with either.
Who supervises each one
InRento operates under a European crowdfunding licence and is supervised by the Bank of Lithuania, according to its website. Being in the CNMV list does not mean the CNMV supervises it: the list covers European providers that offer services in Spain and are supervised by the authority of their own country.
Reental is not a crowdfunding platform authorised by the CNMV and does not appear in its register of crowdfunding service providers (checked on 3 November 2026). According to the company's legal documentation, its product does not require that authorisation. This means that investors do not have the specific safeguards of Regulation (EU) 2020/1503 (for example, the knowledge test, the loss simulation and the reflection period), and that their holding is not backed by any crowdfunding supervisor. Keep this in mind before comparing figures.
Can a resident of Spain invest in InRento?
The InRento website does not list the countries of residence it accepts (checked on 4 November 2026). Its FAQ says individuals and legal entities can invest with a bank or payment account and identity verification, and that funding is made from an account in the investor's own name at a bank in the European Union. What is on record is that it appears in the CNMV list of European providers that offer services in Spain (no. 45, since 23 February 2026). Confirm with InRento that your country of residence is accepted before registering and sending money.
Which investor each one suits
Neither wins on everything; this is not personal advice. InRento suits you if you want a mortgage loan with monthly interest and capital at the end from €500, and accept properties in several European countries, 0% arrears with no methodology and a secondary market with a fee. Reental suits you if you want a tokenised stake in property projects from €100, with monthly USDT payments, and accept that its legal framework is not that of a crowdfunding provider, that liquidity depends on another user buying, and that its average historical IRR is not comparable with the interest on a loan.
The two can sit in the same portfolio, each with an amount you are prepared to lose in full.
InRento vs Estateguru
Both appear in the CNMV list of European providers and lend against property in other countries. This is what each one publishes; the Estateguru analysis is in Reental vs Estateguru.
| Aspect | InRento | Estateguru |
|---|---|---|
| Country and supervisor | Lithuania, Bank of Lithuania; CNMV no. 45 (23-2-2026). | Estonia, Finantsinspektsioon; CNMV no. 5 (1-6-2023). |
| Minimum investment | €500. | €50. |
| Published return | 11.56% average annual (website); 11.82% actual against 9.35% expected (Finantres, 8-5-2026). | No average on the website; 9.47% historical (Finantres, 8-5-2026); EG Grow fixed 7%. |
| Losses and arrears | 0% of projects in arrears, with no methodology. | Acknowledges losses on German loans of 2021 and 2022; since 2023, loans in the Baltics. |
| Secondary-market sale (seller) | 2%. | 1%. |
For a platform registered with the CNMV as a Spanish provider, see Reental vs Civislend. The overview of the best real estate crowdfunding platforms covers all the options with their figures.
Frequently asked questions
What is the difference between Reental and InRento?
InRento finances property projects with a first-ranking mortgage, with monthly interest and capital at the end, from €500, and is supervised by the Bank of Lithuania. Reental offers tokenised stakes in property projects from €100, with monthly USDT payments and direct sale to another user on the platform. InRento appears in the CNMV list of European providers (no. 45). Reental is not in the CNMV register.
Is InRento reliable?
It has a European crowdfunding licence from the Bank of Lithuania, according to its website, and appears in the CNMV list of European providers. It publishes 0% of projects in arrears with no methodology. According to Finantres there are 2026 reviews describing delayed transfers after secondary-market sales. Its investments are not covered by any deposit guarantee scheme and capital is not guaranteed.
Can you invest from Spain in InRento?
It appears in the CNMV list of European providers that offer services in Spain (no. 45, since 23 February 2026), consulted on 4 November 2026. Its website does not list the countries of residence it accepts, so confirm with the platform before registering.
What return does InRento offer?
Its website headlines an 11.56% average annual return without explaining the calculation, and advertises a fixed 7.75% to 11.5% per project plus 1.5% a year of capital gain on many. Finantres reports 11.82% actual against 9.35% expected (8 May 2026). The average historical IRR of 16.5% declared by Reental is a different kind of measure and is not directly comparable.
What does InRento's 0% arrears mean?
That its website shows 0% of projects in arrears (labelled "Defaulted projects"). It does not explain what counts as arrears, after how many days of delay or over what period. Finantres found no principal in arrears or in recovery as of 8 May 2026. Without a methodology, it is not comparable with the arrears tables of other platforms.
What fees does InRento charge?
According to its price list: sign-up, account administration and investing are free; 2% on card deposits (Mangopay); 2% to the seller on the secondary market; and €30 a year for a Mangopay account with no transactions for more than 2 years. The list shows no specific withdrawal fee, and Finantres says it is zero.
What is the minimum investment at Reental and at InRento?
At Reental, €100 (1 token = €100), according to the company. At InRento, €500, according to its website.
Can I sell my investment before maturity at InRento or Reental?
InRento has a secondary market with 2% for the seller, and you need to find a buyer. At Reental you can sell to another user on the platform, but a buyer, a price and a timeframe are not guaranteed, and its risk warning mentions the lack of liquidity.
What happens if an InRento project is late?
According to its FAQ, InRento contacts the project owner to agree payment and, if there is no agreement, may terminate the loan agreement and start recovery against the mortgaged property. Recovery can take from several months to several years, and what is recovered is shared proportionally after deductions.
Is Reental authorised by the CNMV like InRento?
No. InRento holds a European crowdfunding licence from the Bank of Lithuania and appears in the CNMV list of European providers (no. 45), although the CNMV does not supervise it. Reental is not a crowdfunding platform authorised by the CNMV and does not appear in its register of crowdfunding service providers (checked on 3 November 2026). According to the company's legal documentation, its product does not require that authorisation. This means that investors do not have the specific safeguards of Regulation (EU) 2020/1503 (for example, the knowledge test, the loss simulation and the reflection period), and that their holding is not backed by any crowdfunding supervisor.
Risk warning
Investing in real estate loans or stakes can mean the total or partial loss of your capital, a lack of liquidity and not achieving the expected return. Past returns do not guarantee future ones. Neither InRento nor Reental offers a capital guarantee, and this page is not financial, tax or legal advice: consult a professional before investing. Reental is one of the parties compared in this text. Reental's figures are data provided by the company (4 November 2026); third-party figures are self-declared by each platform or come from the press, and are subject to change.
Sources
- CNMV, list of European crowdfunding service providers (2026-11-04): InRento (UAB INRENTO) no. 45 (23/02/2026) and Estateguru OÜ no. 5 (01/06/2023); supervision by the home-country authority.
- CNMV, PSFP register (2026-11-03): Reental is not in the register of crowdfunding service providers.
- InRento, home page (2026-11-04): Minimum €500, 11.56%, 0% arrears, €136.84 million invested, 5,768 investors, terms, Bank of Lithuania licence.
- InRento, frequently asked questions (2026-11-04): Funds with Paysera or Mangopay, no deposit guarantee, secondary market 2%, process on default.
- InRento, price list (2026-11-04): Investor fees (no effective date).
- Finantres, InRento (2026-05-08): Actual return 11.82% against 9.35% expected, principal in arrears €0, reviews with delays; updated 14-10-2026.
- Reental, FAQ (2026-11-03): Structure by country, direct sale to a third party on the platform.
- Reental, projects (2026-11-03): Estimated returns of 9.5% to 12% on the visible cards.
- Reental, home page (2026-11-03): Monthly USDT payments, 19% withholding tax for Spanish residents.
- Reental, data provided by the company (2026-11-04): Minimum €100, average historical IRR 16.5%, €106.9 million across 128 projects, 77 current, 51 closed, no public incidents declared.
