Villas Lapland, Finland I

Reasons to invest in the project Villas Lapland, Finland I:

• 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: 65% (max. 70%) with a collateral value of EUR 8,520,000;
• Revenue projection: according to conservative estimation – expected revenue in 2026, more than EUR 1.5 million;
• Investment Security: a first-rank mortgage on the project assets and a corporate guarantee of up to EUR 400,000 provided by the guarantor company.

The InRento team presents a new buy-to-let project – Villas Lapland, Finland I. The resort is located in Sodankylä town in Finland, on the banks of Kitinen River.

The project features 32 private villas on a 14-hectare land plot, thoughtfully designed for high-end short-term stays. The resort offers 20 standard villas of 44 sq. m. and 12 premium villas of 55 sq. m.

Currently, 24 villas are fully completed and have been operational since December 2025, generating more than EUR 628,000 in revenue between January and April 2026. Reservations for the upcoming season are also gaining momentum: following the launch of marketing activities last week, bookings worth EUR 137,297 have already been secured for stays from 1 August 2026 to 31 March 2027.

The purpose of the project is to complete the fit-out of the remaining 8 villas and carry out the remaining resort infrastructure and landscaping works. Ongoing works include interior finishing, terraces, canopies, stairs, and connections to utility networks. Landscaping works are also underway, together with the installation of signage, refurbishment of the kitchen and reception, construction of dining domes, and development of leisure areas by the river.

Completion of the remaining 8 villas is planned by the end of September.

The resort offers a range of shared amenities, including a riverside Sauna Village, 24-hour fitness centre, tearoom and library, picnic area, and tour and activity assistance. Seasonal activities available on-site and nearby include husky safaris, snowmobile tours, reindeer farm visits, hiking, fishing, and Northern Lights viewing. The resort also offers airport transfer services and a privately delivered breakfast and dinner to the villa.

Finnish Lapland, where the project is located, continues to attract growing numbers of international visitors. In December 2025, the region recorded approximately 609,200 foreign overnight stays, representing a 7% increase compared with the previous year.

Across Finland, foreign overnight stays reached a record 7.2 million in 2025, an increase of almost 13% year-on-year. Short-term rentals also continued to play an important role in the tourism market, accounting for around one-third of all paid foreign overnight stays during the first nine months of 2025.

How does the collateral structure work?

The resort development structure comprises two companies that perform different functions within the project.

Lappi Cabins Oy owns the real estate, including the 14-hectare land plot and the resort buildings located on it. During the previous financing on the InRento platform, this company received a loan secured by the same property.

The borrower under this project is Lapland Operations Oy, the company responsible for the further development of the resort, completion of the remaining villas, and works related to the expansion of its operations.

As both companies contribute to the development of the same resort, the two separate loans are secured by the same real estate. As the property owner, Lappi Cabins Oy also uses its property to secure the obligations of Lapland Operations Oy.

Based on the current value of the mortgaged property of EUR 8,520,000 and all loans secured by the same property, the combined loan-to-value ratio will be 65% following this financing stage and will remain below the established 70% limit.

Both loans are secured by first-rank mortgages of equal ranking. If the loans were not repaid and the property had to be sold, the proceeds would be distributed proportionally among the investors in both loans based on the outstanding balance of each loan.

The project is managed by two experienced real estate professionals – Lina Baronaitė and Gediminas Kvedaris – each with more than ten years of experience in real estate development. They have successfully implemented several short-term rental projects in Lithuania’s largest cities – Vilnius, Kaunas, and Klaipėda – and internationally in Lapland, Finland and Sicily, Italy.

Lina and Gediminas also manage projects already financed through the InRento platform, including P10, Riga, Hotel Catania, Italy, KB21, Riga, V50, Vilnius and Old Town Stay, Vilnius. roject owners also successfully realised projects financed on the InRento platform – P6, Kaunas.

The project is secured by a first-rank mortgage on the project assets and surety, with a conservative loan-to-value (LTV) ratio of 65% (max. 70%). The project offers investors a fixed monthly interest rate 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 loan duration for this project is 24 months.