Real estate is NOT exclusively for people with equity.
Whoever says that is either lying, born into wealth, or just clueless.
Buying real estate with zero down payment is possible through a concrete sequence of planned steps.
How do we know this? We’ve enabled investors to aquire over 100 properties worth more than €15 million in recent years – all with exactly zero down payment.
After having hundreds of conversations with banks and analyzing over 20.000 real estate opportunities, we’ve distilled what it truly takes:
A deep network of brokers, property managers, and private sellers to "access the best deals". The leftovers on ImmoScout & Co. are what the pros already passed on.
A strong banking network – built on personal relationships with the actual decision-makers.
A proven track record and experience in recognizing the potential of a property – so we can confidently negotiate and close the best deals on the spot, leaving the competitors literally with no chance to win the deal.
The time to realize the potential of a property within weeks to convince the bank with a strong performing property.
We mastered these 4 pillars and provide our network with fully developed properties that need no down payment and provide tax advantages on top.
Why "just saving money for down payment" won't help you
At most cases, saving 10‒20% for the down payment takes (unfortunately) a decade
They just accept this so called "fact" and wait without making use of the most important ressource they have: Time
At best, they achieve to buy one property - often none at all.
If they finally achieve to buy one property, the savings are gone and they start from zero.
That's what creates the typical 'rat‒race' in the middle class
You continue to trade your time against money - while the EZB (Europäische Zentralbank) prints money at will and your hard-earned cash gets devalued in this process: Inflation
You have no income streams to let your wealth grow while you are sleeping and you are fully exposed to inflation.
And you certainly can't build a relevant amount of wealth that will let you leave the rat-race.
What you need instead
What our clients say
Real stories from real investors:
From high tax burden to growing wealth – Join dozens of professionals across Germany who’ve started building wealth without upfront capital.
5 Apartments in 18 months
Juliana & Frosty
Medical Doctor and IT-Project-Manager
Latest Properties
Three-Unit-Apartment-Building Near Düsseldorf (reserved)
Fully revitalized
Zero Down Payment possible
5.000,- € Annual Tax Refund
6% Gross Rental Yield
100% Managed by a Property Manager
3-Bedroom-Apartment Near Cologne (reserved)
Fully renovated
Zero Down Payment possible
2.300,- € Annual Tax Refund
6.2% Gross Rental Yield
100% Managed by a Property Manager
3 Bedroom Apartment Near Dortmund (reserved)
Fully renovated
Zero Down Payment possible
2.000,- € Annual Tax Refund
6.1% Gross Rental Yield
100% Managed by a Property Manager
Who we are
Your partner for tax‒efficient wealth creation with real estate & zero down payment.
The German Real Estate Company helps high-income professionals in Germany build wealth and save taxes – by acquiring the right properties, with the right strategy, and without using their own capital.
Our mission: Making real estate investing accessible, smart and scalable – through a turnkey system that covers acquisition, financing, rental optimization, and long-term portfolio building.
With years of experience, a strong banking network, and a strict acquisition standard, we enable our clients to grow a high-yield real estate portfolio – without the typical hassle or upfront capital requirements.
Luciano Privitera
Founder & Managing Partner
The German Real Estate Company
€15 million
investment volume managed
100+
off-market properties sourced
92%
reinvest again within 6 months
How does a collaboration work?
1
Request a property to get in touch with us
2
30 minute virtual consultation
A property consultant will advise you based on your individual situation and goals. In this meeting you and we decide if a cooperation makes sense.
3
Bank qualification
In the next step your creditworthiness will be assessed to determine what you can afford with no down payment. This process takes 1-2 days and does not affect your SCHUFA Score.
4
Exclusive property deals - pre approved from the bank
Once you are qualified, we will only contact you with properties that have already been approved by the bank. This way, you only invest your time in properties you can actually afford.
5
Property presentation
If you like what you see, we will present the property to you with all details in a virtual meeting.
6
Viewing & Reservation
We reserve the property for you to make sure, we have enough time to receive all documents from the bank.
If you wish, we can also provide a 3D tour of the property, saving you the trip.
7
Notary appointment
8
Onboarding & dedicated Customer Success Manager
After the notary appointment, the real collaboration begins.
We take care of everything - from setting up property management and a separate bank account to connecting you with a tax consultant. A dedicated customer success manager will be available for all your questions.
9
Optimization & Portfolio
Each year, we aim to increase the rents where possible, which further strengthens your creditworthiness and enables you to continue growing.
Once you are ready - and the bank approves the next property - we support you in expanding your portfolio step by step.
Why smart investors work with us
Zero down payment
100% bank-financed purchases possible
High rental income
Above-average rent-to-price ratios
Metropolitan areas
Strong tenant demand, long-term growth
Full-service investment
We handle acquisition, financing, legal, and optimization
Scalable
strategy
From your first property to your own real estate portfolio
Long-term partnership
We guide you beyond the first deal – helping you scale your real estate wealth step by step.
FAQ
Who is suitable for the collaboration?
If you are currently earning more then € 50,000 in annual gross income and have a strong interest in real estate, then this collaboration is the perfect fit for you. It is specifically designed for individuals with a high tax burden.
Is it really possible with zero down payment?
Yes - Please take your time to read through the entire website to fully understand how the process works.
What happens if the tenant doesn’t pay rent?
Our property management team personally addresses any issues by the 5th of each month. For added security, a three-month rent deposit is required.
Before a new tenant moves in, we conduct a thorough background check to ensure they are reliable and trustworthy.
How much time do I need to spend each month managing the property?
Our efficient property management system allows you to stay in control without investing your most valuable resource — your time. The property manager handles both the property and tenant management, so you can stay focused on your profession.
What are my options if the tenant moves out?
In the event of a tenant change, our property management team takes care of the entire re-letting process for you — from marketing the property at the current market rate to organizing viewings and selecting qualified tenants.
For the first two years, this service is completely free of charge.
After that, if you wish to continue using this service, we charge a one-time fee equivalent to one month’s net rent for each new letting.
Who takes care of the tax benefits related to my property?
As soon as you join us, you’ll be directly connected with one of our experienced tax specialists.
They will personally handle all tax-related matters for you.
Our team ensures that all documents are accurately prepared and submitted on time, so you can fully benefit from the available tax advantages.
We manage the entire process for you — so you don’t have to worry about a thing.
Will I receive support with future rent increases?
Of course — we continue to support you after the purchase, especially when it comes to rent increases, to ensure your rental income keeps pace with your financial goals.
Our aim is to make the process smooth and secure, helping you maximize the financial performance of your property — with full confidence and peace of mind.
