You buy the debt (NPL)
The defaulted mortgage, not the house. The deepest discount on the market in exchange for going through the courts.
See distressed loans
NPL
Invest in exclusive real estate assets before they reach the market
Discover real estate opportunities with discounts of up to 70%.
+12,000investorsalready trust Arkos
Why invest with Arkos Investor?
We reach portfolios that never make it to the listing portals and screen them one by one before you see them. These are the numbers behind it.
- up to 70%discount on appraisal valueThe average discount is around 50% against the local comparable, reaching 70% on distressed-debt portfolios and assets in court proceedings.
- +20,000off-market transactionsA portfolio that is never published on any portal.
- +25 yearsof experience in the sectorA team that has traded through every market cycle.
An in-house legal team on every deal
Lawyers specialised in NPL, REO and CDR who stay with you from due diligence to signing before the notary. No registry surprises, no hidden charges.
- GDPR compliant
- Spanish regulation
- Public notarial deed
- Law 6/2023
02Asset typesNPL 
Auction
CDR
REO
Understand what you are buying
The same property at three stages of the process. The earlier you enter, the more margin and the more risk.
NPLYou bid yourself (Auction)
The court puts the property up for sale to settle the owner’s debts. No middlemen.
See auctionsAuctionYou buy the winning bid (CDR)
The asset has already been auctioned. The winning bid is assigned to you, one step short of the deed.
See CDRCDRYou buy the property (REO)
The bank already owns it and wants it off the books. A normal purchase, discounted and court-free.
See REOREOExplore real estate assets
Discover real investment opportunities across Spain: REO assets, NPL loans, assignments of auction rights and court auctions, ahead of the rest of the market.
REO€1,880,000
COMPRA DIRECTA - Chalet en Castelldefels
Castelldefels · Barcelona
- 5 beds
- 5 baths
- 740 m²
NPL€519,000
COMPRA DE CRÉDITO - Inmueble en Barcelona
Barcelona · Barcelona
- 3 beds
- 1 bath
- 84 m²
NPL€256,000
COMPRA DE CRÉDITO - Vivienda en Canet de Mar
Canet de Mar · Barcelona
- 3 beds
- 2 baths
- 124 m²
CDR€201,000
COMPRA DIRECTA - Vivienda en Mejorada del Campo
Mejorada del Campo · Madrid
- 2 beds
- 2 baths
- 109 m²
NPL€152,000
COMPRA DE CRÉDITO - Vivienda en Terrassa
Terrassa · Barcelona
- 2 beds
- 1 bath
- 88 m²
NPL€121,000
COMPRA DE CRÉDITO - Vivienda en Olesa de Montserrat
Olesa de Montserrat · Barcelona
- 1 bed
- 1 bath
- 73 m²
NPL€105,000
COMPRA DE CRÉDITO - Vivienda en Vilanova i la Geltrú
Vilanova i la Geltrú · Barcelona
- 3 beds
- 2 baths
- 91 m²
CDR€80,000
COMPRA DIRECTA - Vivienda en Barcience
Barcience · Toledo
- 3 beds
- 2 baths
- 174 m²
An ecosystem built for the modern investor
Arkos brings together every tool you need to invest with more confidence. From discovering opportunities to financial analysis and portfolio management, everything is connected in a single platform.
Arkos Panel
Return12,8%
Average discount-38%
One ecosystem, three products
Discover with Arkos Investor, finance with Arkos Finance and analyse with Arkos Pro.
ArkosFinance
Financing for investors
We make your purchase possible
Tailored financing for your NPL, REO and CDR deals, without draining your cash position.
- Express pre-study, no commitment
- We handle the process with the lender
Up to 100% of the purchase price, subject to prior approval.
Answer within 24–48 h
Arkos Pro: real-estate intelligence by your side
Arkos Pro helps you analyse opportunities, value assets and make investment decisions with real data and smart assistance.
Arkos Pro · Analysis
Check the potential of an area
Arkos Pro analyses prices, returns, demand and historical trends to help you spot areas with the highest growth potential and the best investment opportunities.
Analyse an area
Arkos Pro · Comparator
Compare neighbourhoods and find the best opportunity
Compare safety, amenities, connectivity, rental demand and expected returns to identify which neighbourhood best fits your investment strategy.
Compare neighbourhoodsFlat · Chamberí★★★★★5- Safety
- Transport
- Amenities
- Rental demand
- Profitability
Arkos Pro · AI valuer
How much could your investment be worth?
Get a smart estimate based on location, size, property condition, market comparables and rental potential to decide with more confidence.
Calculate valuation04Process
We take care of everything
"Security is not promised, it is documented. Legal report before, public deed during, live file afterwards."
Transparency principle · Arkos Investor- Step 1
Selection
We filter more than 4,500 assets per year. You only access those that pass our profitability and margin-of-safety analysis.
- Step 2
Due Diligence
Legal, cadastral and financial report before your decision. Complete documentation, no fine print.
- Step 3
Acquisition
Notarial deed in your name from day one. Land registry filing included — legal owner from signing.
- Step 4
Management
Occupants, renovations and procedures. Arkos manages every incident; you only receive updates.
- Step 5
Exit
Sale at the optimal time. Capital plus agreed profit transferred directly at closing.
05ReviewsWhat investors say
What investors say
after investing
I bought the credit with a 72% discount on nominal debt. After 13 months the bank assigned the award and we liquidated. The consultant handled the entire court process without me touching a single document.
It is the highest-return deal I can offer my clients today. The retail unit was leased: we collected rent during the process and sold it after award. It delivered 38% net in twelve months.
We wanted to diversify outside stocks and traditional real estate. Arkos assets are not correlated with indices, and the recovery timeline fits our annual treasury planning.
I have recommended alternatives to clients for years. Arkos lets me offer a deeded product with a reasonable term and full legal traceability. Five of my clients already have a closed deal, with a 43% average return.
I bought the credit with a 72% discount on nominal debt. After 13 months the bank assigned the award and we liquidated. The consultant handled the entire court process without me touching a single document.
It is the highest-return deal I can offer my clients today. The retail unit was leased: we collected rent during the process and sold it after award. It delivered 38% net in twelve months.
We wanted to diversify outside stocks and traditional real estate. Arkos assets are not correlated with indices, and the recovery timeline fits our annual treasury planning.
I have recommended alternatives to clients for years. Arkos lets me offer a deeded product with a reasonable term and full legal traceability. Five of my clients already have a closed deal, with a 43% average return.
It was an auction award assignment: short deadlines and the property had already been awarded at auction. We signed before a notary on Tuesday and in less than a year the flat was deeded to the company. Perfect for moving excess treasury.
I started with €45,000 because I wanted to test it before committing more capital. The auction award assignment was liquidated in fourteen months — capital recovered plus 47%. I am already looking at the second deal, this time with a higher ticket.
I had never invested in distressed debt. The team calmly explained the court process without jargon. The first closed with 41% in eleven months. I signed the second the following week.
I started with the minimum ticket to test before committing more capital. The first liquidated at 39% in one year. This is my third deal and I no longer hesitate to increase the ticket.
It was an auction award assignment: short deadlines and the property had already been awarded at auction. We signed before a notary on Tuesday and in less than a year the flat was deeded to the company. Perfect for moving excess treasury.
I started with €45,000 because I wanted to test it before committing more capital. The auction award assignment was liquidated in fourteen months — capital recovered plus 47%. I am already looking at the second deal, this time with a higher ticket.
I had never invested in distressed debt. The team calmly explained the court process without jargon. The first closed with 41% in eleven months. I signed the second the following week.
I started with the minimum ticket to test before committing more capital. The first liquidated at 39% in one year. This is my third deal and I no longer hesitate to increase the ticket.
The independent legal report convinced us. We validated it with our law firm and it matched point by point. We closed three distressed-debt deals in the Alcalá–San Sebastián de los Reyes corridor. The average return at exit was 55%.
I receive the legal report before the commercial presentation. That lets me validate each deal with my own criteria before offering it to clients. I have closed three distressed-debt deals, with a 44% average return.
I had been thinking for months about how to move company treasury. We signed the credit assignment at the notary, the asset ended up in the company name and I did not have to do anything else. It liquidated at 46%.
The independent legal report convinced us. We validated it with our law firm and it matched point by point. We closed three distressed-debt deals in the Alcalá–San Sebastián de los Reyes corridor. The average return at exit was 55%.
I receive the legal report before the commercial presentation. That lets me validate each deal with my own criteria before offering it to clients. I have closed three distressed-debt deals, with a 44% average return.
I had been thinking for months about how to move company treasury. We signed the credit assignment at the notary, the asset ended up in the company name and I did not have to do anything else. It liquidated at 46%.
Illustrative testimonials based on real investor experiences. Identities protected by confidentiality.
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- Search opportunities
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- Chat with Arkos AI
- Track your investments
- Sign documentation
- Check returns
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