Collective real estate investment · Mexico 2026

Invest in bricks.Earn real returns.

Kopslio connects Mexican investors with curated real estate projects: houses, apartments, industrial warehouses and commercial developments funded through crowdlending from MXN $1,000.

Target returns 10.5%–14.8% per year
Terms from 6 to 36 months
Real estate collateral

Join the list How it works

Modern residential home in Mexico financed through crowdlending

MXN $1,000

Minimum ticket per project in Mexican pesos.

Mexican real estate crowdlending in numbers

The data reshaping how real estate is financed in Mexico.

12.6%

Average target annual return in the Mexican real estate vertical during 2025.

$4,820M

Mexican pesos originated by real estate crowdfunding platforms in 2025.

68,400+

Active investors participating in fractional real estate projects.

$1,000

Minimum ticket per project in Mexican pesos.

The concept

What is real estate crowdlending?

Real estate crowdlending is a collective financing model in which many individuals jointly lend small amounts of money to a developer or property owner to build, acquire or refurbish a property. In exchange, investors receive periodic interest payments plus the return of the principal at maturity.

Unlike crowdequity —where you buy a fraction of the property—, in crowdlending you are a creditor: you lend money backed by the real estate itself. This reduces volatility and creates a predictable cash flow.

In Mexico, this model operates under the Law to Regulate Financial Technology Institutions (Fintech Law, 2018) with oversight from the CNBV, Bank of Mexico and CONDUSEF.

Essential features

Accessible ticket
Positions from MXN $1,000 per project. The barrier to bricks is broken: you no longer need to buy a whole property.
Tangible collateral
Every loan is backed by first-lien mortgage, security trust or an assignment of rights over the property.
Fixed return
Rate agreed at origination. It does not depend on a future sale or on speculative revaluation of the property.
Short terms
Most projects settle between 6 and 36 months. You do not lock up capital for decades.
True diversification
With the same capital you would put into a single apartment, you participate in 20 or 30 different projects across several cities.
Digital transparency
The full property file, appraisals, deeds and payment flow live in your investor dashboard 24/7.

Step by step

How investing with Kopslio works

01
Sign up and verify your identity
You sign the contract and verify your identity with INE and proof of address under the KYC process required by the CNBV. It takes less than 8 minutes.
02
Explore the available projects
Each project shows location, property type, risk analysis, market appraisal, target rate, term and collateral granted by the borrower.
03
Pick your position
You commit from MXN $1,000 to the project or projects of your choice. You can build a diversified portfolio in minutes.
04
Receive interest every month
Kopslio manages the borrower payments and deposits interest directly into your Mexican bank account on the agreed day.
05
Recover your capital at maturity
At the end of the term the borrower returns the principal, and you can reinvest it into a new project or withdraw it.

Real estate verticals

Four asset types, one single model

Kopslio curates projects across four real estate categories, each with a differentiated risk, return and term profile.

Residential home in a Mexican development

Residential housing

Single family homes and development projects in high-demand areas: Monterrey, Guadalajara, Mérida, Querétaro and Riviera Maya. Target return 10.5%–12.5% per year.

Apartments and multifamily

Apartment buildings in consolidated urban areas of Mexico City, Puebla and Playa del Carmen. Construction or acquisition financing with pre-sale exit. Target 11%–13.5%.

Industrial and logistics warehouse in northern Mexico

Industrial and logistics warehouses

Industrial parks near the border and along the nearshoring corridors: Nuevo León, Coahuila, Chihuahua and Bajío. Target 12.5%–14.8% with long-term lease contracts.

Retail and commercial spaces

Shopping plazas, offices and retail units in tourist and business districts. Bridge financing and profitable refurbishments. Target 11.5%–13.8%.

Protection framework

Regulated, audited and backed

Kopslio operates under the strictest legal framework that exists today in Mexico for crowdfunding platforms.

CNBV authorization

Collective Funding Institution authorized under the Law to Regulate Financial Technology Institutions, Article 15.

Segregated accounts

Investor funds flow through an independent bank concentrator account, separate from Kopslio's own balance sheet.

Annual audit

Financial statements audited by an external firm member of the Mexican Institute of Public Accountants.

CONDUSEF reporting

All our contracts and fees are registered in the CONDUSEF's RECA registry.

Frequently asked

Before you invest your first peso

How much do I need to start investing?
The minimum ticket per project at Kopslio is MXN $1,000. You can build a diversified portfolio from MXN $10,000 by participating in 10 different projects.
What happens if the borrower does not pay?
Every loan has real collateral: first-lien mortgage, security trust or a guaranteed promissory note. Kopslio enforces the collateral on behalf of all creditors. Recovery is not immediate, but the capital is backed by the property itself.
Are returns taxable?
Yes. Interest earned is subject to Income Tax (ISR) under Title IV, Chapter VI of the LISR. Kopslio makes the corresponding withholding and delivers a yearly tax certificate for your tax return.
Can I withdraw before maturity?
The commitment runs until the agreed maturity date. However, Kopslio operates an internal secondary market where you can assign your position to another investor on the platform, subject to demand.
Is it covered by IPAB?
No. Investments in crowdfunding institutions are not guaranteed by IPAB. They are backed exclusively by the real estate collateral of the project. This is a fundamental difference versus a bank deposit.