Real Estate Crowdlending · Mexico

Invest in Mexican bricks and mortar without buying the property.

Mxisoter connects investors with developers and owners who need capital backed by real estate: houses, apartments, factories and commercial buildings from Monterrey to Mérida.

Get new opportunities How it works

MXN 1,500

Minimum ticket per project

9.4% – 14.8%

Target annual return range

6 – 36 months

Typical loan tenors

100% real collateral

Every loan backed by a Mexican property

The concept

What is real estate crowdlending?

Real estate crowdlending is a collective investment model regulated by Mexico's Fintech Law, in which many investors lend money directly to a developer, landlord or property owner in exchange for interest. The key difference with other platforms is that every loan is secured by a specific piece of real estate: a house, an apartment, an industrial warehouse, a factory or a commercial building.

Investors do not buy the property or shares of the developer: they finance a specific transaction and receive monthly principal and interest payments until maturity. If the borrower defaults, the real estate collateral can be enforced under the Mexican Federal Civil Code and trust legislation to recover the principal.

Mxisoter reviews every deal with an internal risk committee, validates appraisals, checks the property is free of liens at the Public Registry of Property and structures the collateral through a guarantee trust or mortgage before the round opens to investors.

You lend, you don't own

You lend capital and collect interest. You do not buy square meters or shares in the developer.

Real estate collateral

Every loan is backed by a mortgage or guarantee trust over Mexican real estate.

Accessible diversification

Spread your capital across residential, industrial and commercial projects starting at MXN 1,500.

Mexican Fintech framework

We operate aligned with the Law to Regulate Financial Technology Institutions in force in 2026.

How it works

From a Mexican property to your portfolio in four steps

1. Origination and analysis

We receive loan applications from developers, industrial landlords and commercial property owners. Our committee validates appraisals, tax history, land use and lien status.

2. Structuring the collateral

A first-lien guarantee trust or mortgage is formalized before a Mexican notary public before the project is listed on the platform.

3. Investment round

Investors complete KYC in line with the anti-money-laundering rules for financial technology institutions and take part starting at MXN 1,500 up to the individual regulatory cap.

4. Payments and maturity

The borrower pays monthly principal and interest. Mxisoter distributes the cash flows to investors and manages the collateral until the loan is fully repaid.

Real estate verticals

Project types we fund across Mexico

Every category has its own target returns, tenors and risk profile. Our committee grades projects before opening them to investors.

Residential houses

Bridge financing for developers building housing projects and mid-market homes in the Bajío region, Yucatán and metropolitan areas.

10.2% – 12.4% · 12 to 24 months

Urban apartments

Loans for completion and sales of vertical buildings in Mexico City, Guadalajara and Monterrey.

9.4% – 11.8% · 8 to 18 months

Factories and warehouses

Working capital secured by mortgages on active industrial warehouses in logistics corridors such as Nuevo León, Querétaro and Estado de México.

11.5% – 13.9% · 12 to 36 months

Commercial buildings

Refinancing of shopping centers, hotels and offices with stable lease contracts as source of repayment.

10.8% – 14.8% · 12 to 36 months

Why Mxisoter

A Mexican team specialized in real estate risk

Founded in Mexico City in 2019, Mxisoter was built by a team with more than eighteen combined years of experience in mortgage banking, real estate appraisal certified by Sociedad Hipotecaria Federal and guarantee trust structuring. We operate under the Fintech Law framework, with internal controls audited annually and clear contracts for every investor.

We are not a developer funding itself: we are an independent platform that selects third-party projects, negotiates conditions in favor of investors and charges a fee on the placed loan. Our incentives are aligned with every loan reaching maturity in good order.

Head office in Mexico City with coverage in 12 Mexican states.
Risk committee with independent external members.
Appraisals by experts authorized by SHF and CNBV.
Payment and management trust with a Mexican fiduciary institution.

Frequently asked questions

What Mexican investors ask first

Is real estate crowdlending regulated in Mexico?+

Yes. The Law to Regulate Financial Technology Institutions (Fintech Law) published in the Federal Official Gazette regulates Collective Financing Institutions, the category real estate crowdlending falls under. Mxisoter operates aligned with that framework.

What happens if the borrower does not pay?+

Every loan has real estate collateral formalized before a Mexican notary public. In the event of default, the enforcement process of the mortgage or guarantee trust is triggered to sell the property and recover the investors' principal.

Can I invest as a non-resident?+

Yes, as long as you can prove identity and source of funds under Mexican anti-money-laundering rules. Additional documentation requirements apply for foreign individuals.

How is the return calculated?+

The target annual return is stated before taxes and platform fees. Interest earned by Mexican individuals on loans is subject to income tax withholding under the Income Tax Law.

What is the minimum investment?+

The minimum ticket per project is MXN 1,500. We recommend diversifying across at least ten different projects to reduce the idiosyncratic risk of each transaction.

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