For investors
Invest with me in Polish residential real estate
You have capital but no time to source apartments, manage renovations and handle sales? Let’s do it together. You decide, we run the project, and everything is set out in a written agreement.
Two models
Choose what suits you
50/50 flip
You buy the apartment in your own name and remain the registered owner throughout the project. You finance the purchase and renovation. XOOL.PL finds the deal, manages the renovation and the sale. After the sale your capital comes back first, and the profit is split 50/50 – with a priority amount for the investor defined in the agreement.
Loan to the company
You lend money to XOOL.PL at a fixed interest rate set in the agreement. Interest is paid together with the capital at the end of the term. Security: a mortgage on the property, a notarial submission to enforcement (Art. 777 of the Polish Code of Civil Procedure) and, where needed, a promissory note.
Step by step
How we work together
Conversation
We get to know each other: your goals, amount and time horizon. I answer every question.
A specific apartment
I present a deal: photos, a calculation in three scenarios, and the risks.
Agreement
Rules, timeline, profit split and security are agreed in writing before any payment.
Renovation and reports
Every two weeks you receive a report with photos and a cost summary.
Sale and settlement
We sell the apartment and settle according to the agreement, based on documents.
Honestly
What I don’t promise
- Guaranteed profit. Markets change and renovations can take longer.
- A sale on a specific day. I give estimates, not wishful dates.
- Decisions under time pressure. If a deal needs an answer “right now”, it is better to pass.
I promise
What you can count on
- Full transparency of costs, invoices and progress photos.
- A calculation in several scenarios before you decide.
- A written agreement and company details you can verify in public registers.
- Direct contact with me – not an anonymous hotline.
Investor questions
What is the minimum amount?
For a 50/50 flip you need capital to buy and renovate a specific apartment – in Zagłębie usually from around PLN 250,000. For a loan the amount is agreed individually.
How long does a project take?
Usually from several to around twelve months, depending on the scope of renovation and the market. Timelines are always estimates, not guarantees.
Do I need to be in Poland?
Not all the time. You can view the apartment in person or by video call; the notarial deed can be signed in person or through a power of attorney. We can arrange a sworn translator.
Is this a regulated investment product?
No. XOOL.PL is not a bank, an investment fund or an investment firm. Each cooperation is an individual civil-law agreement concerning one specific property.
The content of this site is for information only and does not constitute an offer within the meaning of the Polish Civil Code or investment advice. Terms of cooperation are agreed individually in a written agreement. Investing in real estate involves risk, including the loss of part of the capital.