Question 1

What do I need to sign up?

Accepted Answer

You only need a valid email and your basic personal details. To take part in operations you will need to verify your identity (ID/NIE) and provide your bank details. You must also be of legal age.

Question 2

Is registration free?

Accepted Answer

Yes. Registering with Invernova is completely free and involves no investment commitment.

Question 3

How long does verification take?

Accepted Answer

Identity verification is usually completed within 24 business hours.

Question 4

What types of operation are there?

Accepted Answer

We offer two ways to take part.

In success-based operations, your return is a percentage of the operation's profit: if the operation performs better than expected, you earn more.

In fixed-return operations, a closed return is agreed by contract (for example, 12%): you receive that amount when the operation is settled, whatever happens, and Invernova bears the operation's risk.

Each project clearly shows its type on its page.

Question 5

In a fixed-return operation, what happens if the operation earns more (or less) than expected?

Accepted Answer

You receive exactly your agreed return, in both cases.

If the operation outperforms, the surplus goes to Invernova: that is the counterpart of us bearing the risk, because if the operation earned less than expected, your fixed return would remain untouched.

You choose certainty in exchange for giving up the upside; if you would rather share in the profit, success-based operations are for you.

Question 6

What is the minimum participation?

Accepted Answer

The minimum investment depends on each opportunity. It generally ranges between €20,000 and €25,000, although the minimum participation amount is clearly stated on each project.

Question 7

How does the participation process work?

Accepted Answer

You select the operation, enter the amount, reserve your participation and confirm it via bank transfer. Once the payment is received, your participation is confirmed.

Question 8

What return can I expect?

Accepted Answer

It depends on the type of operation.

In success-based operations, each project includes an estimated return based on the expected real costs and the target sale price. As with any investment, that estimated return can never be guaranteed.

In fixed-return operations, the return is the one agreed in your contract (for example, 12%), regardless of the operation's outcome.

In both cases, the figure shown on the site is always what the investor receives. To assess our history, the track record shows the real result of every completed operation.

Question 9

How long does an operation usually last?

Accepted Answer

It depends on the type of property and the strategy followed.

Most of our operations have an estimated duration of between 6 and 18 months, although each project shows its expected timeline.

Question 10

How are the profits distributed?

Accepted Answer

When the operation ends and the property is sold:

- the sale amount is collected,
- all costs are settled,
- the final profit is calculated.

Each investor receives:

- the full return of the capital contributed,
- plus the profits corresponding to their participation.

If you later wish to take part in a new opportunity, you simply make a new, independent investment.

Question 11

Can I invest in several operations at the same time?

Accepted Answer

Yes. Each opportunity is completely independent.

Many investors diversify their capital by taking part in several operations at the same time to spread risk across different projects.

Question 12

What guarantees do the operations have?

Accepted Answer

Each opportunity is analysed from a technical, legal and economic standpoint before being published.

In addition, each operation provides all the documentation needed for the investor to assess the risks and make a decision with as much information as possible.

Question 13

Does Invernova put money into every operation?

Accepted Answer

Yes. In every operation Invernova contributes its own capital and co-invests alongside the rest of the investors.

We believe the best way to show our confidence in an opportunity is to invest our own money too.

In each operation we transparently state how much Invernova contributes and what percentage it represents of the total capital.

Question 14

What happens if an operation is ultimately not completed?

Accepted Answer

Even when we publish an opportunity for co-investment, the final acquisition of the property can take some time to formalise, depending on the type of operation.

In most cases, when we open an operation we have already made the corresponding deposit or reservation and hold a preferential position to acquire the property. Even so, it can take several months until the purchase is formalised. For example, in auction awards the court resolution can take between 6 and 8 months; that said, an auction actually being cancelled is extremely rare and almost never happens. In other acquisition channels (bank-owned properties, direct purchases, etc.) it can also happen, though very infrequently, that an operation does not close.

In the unlikely event that the acquisition does not take place, the capital contributed by co-investors is returned in full, since the operation will not have been executed and therefore no profits or losses will have been generated.

For investors who chose the investment option without selecting a specific opportunity, they can decide whether to recover their capital or allocate it to the next available opportunity.

Question 15

What happens if the property takes longer to sell?

Accepted Answer

Our goal is to sell the property at the best possible moment.

If the sale is delayed, the estimated timeline may lengthen, although this does not necessarily mean a financial loss.

We prefer to wait rather than sell hastily below a reasonable price.

Question 16

What happens if the final sale price is lower than expected?

Accepted Answer

Forecasts are made using prudent scenarios and building in safety margins.

If the profit obtained is ultimately lower than expected, all participants in the operation share that reduction in profits proportionally.

In other words, if the project earns less than expected, both the co-investors and Invernova obtain a smaller profit.

Question 17

What happens if an unexpected issue arises during the operation?

Accepted Answer

Every operation includes a prior risk analysis and a budget line set aside for possible contingencies.

Our job is precisely to identify and minimise those risks before making the purchase.

Question 18

What happens if the property is occupied?

Accepted Answer

When a property is occupied, Invernova is already aware of that situation before acquiring it.

We analyse the case beforehand and define the legal or negotiated strategy to recover possession.

This circumstance is always disclosed to the investor and forms part of the economic analysis of the operation.

Question 19

What happens if hidden damage appears?

Accepted Answer

Before acquiring any property we carry out a technical assessment and estimate the cost of the refurbishment.

If any unexpected issue arises during the works, the operation has a financial margin to absorb this type of incident.

Question 20

What happens if a community special levy appears?

Accepted Answer

Before investing we analyse all available documentation from the homeowners' association.

When there are approved or foreseeable special levies, their cost is incorporated into the economic analysis of the operation.

Question 21

How do you calculate the figures?

Accepted Answer

All the figures shown on the platform are generated automatically from the real data of each operation.

Our goal is to have a single source of information, avoiding discrepancies between the website, the reports and the rest of the documentation.

Question 22

What documentation can I access?

Accepted Answer

During the funding phase, anyone can view the project's public information and download the investment dossier.

Once the co-investment is formalised, each investor has access to all documentation related to the operation. This may include photographs, legal documentation, economic analysis, costs, risks, timeline, progress, updates and more.

Question 23

How can I follow the progress of my operations?

Accepted Answer

Throughout the operation we keep investors informed of the project’s main milestones. These may include the acquisition of the property, the award (where applicable), the progress of the refurbishment, marketing, reservation, signing of the sale, final settlement, and so on.

Our goal is for the investor to know the status of their investment at all times.

Question 24

When do I receive returns?

Accepted Answer

Once the property has been sold and the sale amount collected:

- all costs are settled,
- the final profit is calculated,
- the capital contributed is returned,
- and the corresponding profits are transferred to each investor.

Question 25

Can I export my movements for my tax return?

Accepted Answer

Yes, from your dashboard you can export a detailed report of your movements in Excel or CSV format, ideal for your accountant or income tax return.

Question 26

What is Invernova?

Accepted Answer

Invernova is a private real estate co-investment platform. Investments carry risk and do not guarantee future returns. Past results do not guarantee future results.

Question 27

How does Invernova make money?

Accepted Answer

Our model is fully aligned with that of the investor.

Invernova earns its remuneration by sharing 50% of the profits generated by the capital contributed by each co-investor.

In addition, we take on the entire management of the operation: sourcing, analysis, negotiation, acquisition, financing, refurbishment, marketing, sale and administrative, legal and tax management.

Our profit depends directly on the success of the operation.

Question 28

Do you charge any additional fees?

Accepted Answer

No. There are no hidden fees.

All of our remuneration is defined from the outset and explained to the investor before the co-investment is formalised.

Question 29

How do you select the operations?

Accepted Answer

Not every opportunity we analyse ends up being published.

In fact, each week we analyse more than 300 real estate opportunities, and it may well be that we select none of them.

We prefer to let an opportunity pass rather than invest in an operation that does not meet our criteria.

Only those opportunities that pass our technical, legal and economic analysis are offered to our co-investors.

Question 30

Why are you looking for co-investors?

Accepted Answer

For years we have worked mainly with a small group of investors made up of family, friends and trusted people.

We currently manage around 5 million euros of capital, but we are increasingly finding more attractive opportunities than we can take on with that capital alone.

That is why we have decided to progressively open our co-investment model to new investors.

Question 31

How is the investment structured legally?

Accepted Answer

The legal structure depends on the type of operation and the amount invested.

In most operations we use a framework agreement and a specific contract for each opportunity, setting out the amount contributed, the profit distribution and the specific terms of the project.

In larger operations, a special purpose vehicle (SPV) or other legal structures may be used when more appropriate.

Question 32

What happens if Invernova were to stop operating during an investment?

Accepted Answer

All operations are backed by contracts signed between the parties.

The rights and obligations of each investor are set out legally from the start of the operation.

The investment does not depend solely on the existence of Invernova as a company, but also on the contractual documentation that governs each project.

Question 33

Where are you located?

Accepted Answer

We operate in Barcelona. For any enquiries, contact us at info@invernova.es.

Question 34

Do you have questions before investing?

Accepted Answer

Our goal is that no investor makes a decision with uncertainty.

Before formalising any investment you can contact us to review the operation, answer all your questions and go through the available documentation together.

We believe that a good investment begins with good information.

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