Oxford Gardens, Bucharest

Reasons to invest in the project Oxford Gardens, Bucharest:

• Attractive Returns: 9.25 – 10.5% p.a., paid monthly;
• Fixed Capital Gains: 1.5% p.a., paid at maturity;
• Loan-to-Value (LTV) Ratio: 52%, with a collateral value of EUR 2,867,724;
• Revenue Generating Asset: according to signed lease agreements the asset generates EUR 8,300 monthly;
• Investment Security: first-rank mortgage on project assets and surety;
• Currency Risk: the project owner undertakes the risk of currency exchange, as all transactions will be carried out in EUR. Currency risk is being managed through a conservative LTV.

The InRento team presents a new buy-to-let investment opportunity – Oxford Gardens, Bucharest project, located in one of northern Bucharest's most sought-after residential areas, a15-minute drive away from the city centre. 

The project consists of a detached villa, arranged over a ground floor, first floor, and attic, with a total area of 669 sq. m. on a 1143 sq. m. land plot. The villa benefits from a private garden, a swimming pool, and dedicated parking space. A video overview of the villa and its neighbourhood can be found here.

The project’s purpose is to refinance an existing loan held with a financial institution and to fund finishing works on managed assets within another project of the borrower – Icoanei Gardens residential complex located in central Bucharest. The project asset provides contracted rental income under a lease agreement secured until April 2027, with repayment supported by rental cash flow and an exit through the planned sale of units from the project owner's other managed properties.

The project area consistently commands some of the highest residential values in the capital, supported by strong demand from families, multinational staff, and foreign nationals working in the city, and reinforced by gated communities, detached villas, a high standard of urban infrastructure, quick access to Bucharest’s northern business and residential hubs, and a quieter, low-density living environment that is particularly attractive to tenants seeking privacy.

The project asset generates EUR 8,300 per month under a signed lease agreement with an embassy tenant, providing a steady, asset-backed income stream. The project owner also manages a wider portfolio of similar leased properties generating EUR 7,550 per month.

Project Owner – R.K.I. Services S.R.L., a Romanian company represented by Radu Constantin Cristian.
The business focuses on owning, letting and managing real estate, underpinned by a portfolio of properties that produce steady rental income. Its holdings span detached villas in the Oxford Gardens complex in Voluntari, each placed with long-term tenants, together with residential, commercial and parking units in the Icoanei Gardens development in central Bucharest.

Over the years of project management in the Romanian property market, the owner has helped bring forward developments such as Icoanei Gardens, Trastevere and Triana Pipera Tunari, typically by contributing land and taking part in the build phase. That experience, paired with a diversified and actively managed rental portfolio, gives the owner a firm grasp of asset management, tenant relationships and the commercial repositioning of property, all of which bear directly on the delivery of this project.

The project is secured by a first-rank mortgage on the project assets and surety with a loan-to-value (LTV) ratio of 52%. The project offers investors a fixed monthly interest of 9.25 – 10.5% p.a., along with fixed capital gains of 1.5% p.a., paid at maturity. This results in a total gross profitability ranging from 10.75% to 12% p.a.

The maximum duration of the project is 24 months.