Residential houses
14.5% – 16.0% annualMid and high-end housing in Guadalajara, Querétaro, Monterrey and greater Mexico City. Loan cycles from 12 to 24 months.
Regulated fintech · CNBV Mexico
Real estate crowdlendingfor the Mexico of 2026
Collectively lend capital to fund Mexican houses, apartments, industrial warehouses and enterprise parks. Annual yields between 14% and 18%, backed by first-lien mortgage collateral and supervised under the Mexican Fintech Law.
- Authorized by the CNBV
- First-lien mortgage collateral
- Monthly returns in MXN
16.4%
Average annual yield
The numbers that back our platform
Verified figures as of the third quarter of 2026.
$2,140M
MXN funded since 2021
16.4%
Average annual yield
12,850
Active Mexican investors
0
Projects in default with investor capital
What is real estate crowdlending
A collective loan backed by Mexican real estate
Real estate crowdlending is a collective financing model in which hundreds or thousands of investors jointly lend capital to a developer or owner who needs liquidity to build, remodel or acquire a property. In exchange, each investor receives periodic interest payments and the return of principal at the end of the term.
At Mxtorsim every loan is executed before a Mexican public notary and secured by a first-lien mortgage on the financed property. If the borrower defaults, the collateral is enforced and investors recover their principal from the sale of the property.
We operate under the Mexican Law to Regulate Financial Technology Institutions and have been authorized by the National Banking and Securities Commission (CNBV) since 2021. Every project undergoes legal, financial and technical due diligence before it is opened to investors.
- Real mortgage collateral
Every peso you invest is backed by a mortgage registered in the corresponding Public Property Registry.
- Tickets from $1,000 MXN
Diversify your portfolio with small amounts across multiple residential and industrial projects.
- Predictable monthly returns
Interest is deposited every 30 days into your Mexican bank account in pesos.
- Full transparency
Check contracts, appraisals and construction progress from your investor dashboard.
Investment verticals
Four types of Mexican properties, one secured lending model
We diversify our investors' capital across the four best-performing real estate asset classes in Mexico.
Urban apartments
15.0% – 17.5% annualVertical buildings in Roma, Condesa, Polanco, Providencia and San Pedro Garza García. Pre-sale and rental stabilization.
Industrial warehouses & factories
15.5% – 18.0% annualNearshoring in Nuevo León, Coahuila, San Luis Potosí and the Bajío. Lease contracts with global manufacturing tenants.
Enterprise parks
13.8% – 15.5% annualCorporate and mixed-use parks in Santa Fe, Interlomas, Andares and Valle Oriente. Triple-net leases in dollars or UDIs.
How it works
From analysis to yield deposit in four steps
01
Selection and due diligence
Our committee reviews more than 40 legal, technical and financial criteria. Less than 6% of the projects evaluated make it to the platform.
02
Project publication
The project is published together with the appraisal, financial plan, timeline and model contract. Investors review all documents before committing capital.
03
Signing and disbursement
Once the target amount is reached, the credit and mortgage contract is executed before a Mexican public notary and the capital is disbursed to the developer.
04
Monthly yields
Interest is deposited monthly into the investor's Mexican bank account and the principal is returned at the agreed maturity.
Why Mxtorsim
Built by and for Mexican investors
Active CNBV regulation
Authorization letter 153/10842/2021 under the Fintech Law. Quarterly reports published on cnbv.gob.mx.
First-lien mortgage collateral
Every loan is registered in the Public Property Registry as senior collateral over the property.
Annual external audit
Financial statements audited by Mancera Ernst & Young México and reported to Círculo de Crédito.
Automatic tax withholding
We withhold the applicable Income Tax and issue an annual statement for your SAT tax return.
Segregated banking custody
Investor funds are deposited in a trust account at CIBanco, separate from Mxtorsim's own assets.
Support in Mexican Spanish
Client support team based in Mexico City, Monday through Saturday, plus a verified WhatsApp direct line.
Real stories
What our investors and developers say
I started by investing $5,000 MXN in an apartment project in Roma Norte. Three years later I have diversified across eleven projects and my returns beat CETES.
Adriana Reyes Palomares
Investor, Mexico City
As a developer, Mxtorsim allowed me to fund an industrial warehouse in Apodaca without going through traditional banks. In 45 days we had the capital committed.
Rodrigo Villarreal, Eng.
Industrial developer, Monterrey
I trusted the platform because every project has a notarized mortgage. It is the only way I felt comfortable lending money online.
Mariana Cházaro, Esq.
Investor, Guadalajara
Frequently asked questions
We answer the most common questions about real estate crowdlending
What is the difference between real estate crowdlending and crowdfunding?
In equity crowdfunding you buy a fraction of the property and share in the project's profits. In crowdlending you lend capital to the developer with a fixed rate, defined term and mortgage collateral. Crowdlending offers more predictable cash flows and stronger legal protection in the event of default.
What is the minimum amount to invest in Mxtorsim?
The minimum ticket is $1,000 Mexican pesos per project. We recommend diversifying across at least eight projects to reduce concentration risk.
How are yields paid and when do I receive my capital back?
Interest is deposited every 30 days into the Mexican bank account registered in your profile. The principal is returned at the maturity of the loan, typically between 12 and 36 months depending on the project.
What happens if the developer fails to pay the loan?
Because the loan has a mortgage registered in the Public Property Registry, Mxtorsim initiates the enforcement process. Once the property is sold, investors recover their capital according to the priority established in the contract.
What taxes apply to my returns?
Interest is subject to Mexican Income Tax. As a financial institution Mxtorsim withholds the applicable rate and issues an annual statement for your SAT tax return.
Can I invest if I live outside Mexico?
Yes. We accept Mexican investors living abroad as well as foreigners holding a Mexican RFC. Identification is completed remotely with biometric validation of the INE or passport.
How does the CNBV supervise Mxtorsim?
As an authorized Collective Financing Institution we file quarterly operational, portfolio and regulatory capital reports with the CNBV, and publish audited financial statements on our website.
What risks should I consider before investing?
Every loan investment carries default risk, real estate market risk and liquidity risk, since there is no mandatory secondary market. Carefully read the prospectus and risk disclosure before participating.
Free 2026 guide
Get the definitive guide to real estate crowdlending in Mexico
A 40-page PDF: 2026 Mexican Fintech legal framework, CETES vs crowdlending comparison, case studies by city and a checklist for your first investment.
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