Urban Flip Studio
Budapest · Investor partnership

We find it, renovate it and sell it. You fund the project, own the apartment and keep half the profit, targeting a 20–30% annual return.

We also guarantee a minimum 3% return per project, even if the project makes a loss! The apartment is in your name; we handle everything else.

  • 50–50%net profit split
  • Return guaranteecapital guarantee and at least 3% profit per project
  • In your nameyou own the apartment

Minimum investment: HUF 40–50 million · depending on the project

Our earlier projects

Creating value through apartments.

Our own renovations, photos and earlier project results. Exact purchase and sale figures are private; here we share the returns and timeframes.

Returns are approximate project results relative to total capital spent. The 50–50 investor share is an illustration, not a payout to a previous external investor. Past results are not a promise of future returns.

Where do we find good deals?

A good purchase price lays the foundation for profit.

We use our network, off-market opportunities and our own monitoring software to find Budapest apartments below market value.

  • Off-market opportunities

    Through estate-agent contacts, inherited-property sales and building managers, we also access apartments that have not yet appeared on listing sites.

  • A stronger position with cash

    Available capital lets us buy without arranging a mortgage. A quick, predictable agreement is valuable to sellers and helps us negotiate a below-market purchase price.

  • Our own software monitors the market

    Alongside our network, our own software continuously monitors property listings and alerts us to good buying opportunities, helping us respond quickly.

You do not need to browse listings or chase estate agents. Finding the right purchase and negotiating the price are part of our work.

Your time stays your own

Everything you do not have to manage.

Property searches, design, contractors and the sale. Your time stays your own while we handle the daily tasks throughout.

The living room of the Balázs Béla utca apartment with a bouclé sofa, patterned rug and wall panelling
Balázs Béla utca · our completed project
  1. No property hunting for you

    We find good purchases through off-market opportunities and listings, handle assessment and negotiation, and buy in your name.

  2. No design coordination for you

    Layout, technical scope, interiors and budget follow one coordinated plan. We bring all the details together.

  3. No chasing contractors

    We organise contractors, procurement and furnishing. We handle the daily questions on site.

  4. No buyer viewings to manage

    We manage the sale and its daily tasks, including advertising and viewings, so you do not have to.

  5. You receive your capital and profit share

    After the sale, half the net profit is yours, with a minimum 3% profit guarantee per project. Settlement accounts for all project costs.

You sign the necessary agreements and provide the agreed funding. Daily coordination does not require your time.

Shared profit. Our guarantee.

Half the net profit is yours. We guarantee 3% profit per project.

After the sale, you receive your full documented project funding and half the net profit — with at least 3% profit on your invested capital.

If half the profit is higher, you receive the higher amount. The 3% is included in your profit share, not added to it. If the sale does not cover your capital and guaranteed profit, Urbanflip funds the difference.

The 20–30% annual target is before your own taxes, not a guaranteed annual result. Actual annual returns depend on project results, duration and the timing of reinvestment.

HUF 50 million capital · illustrative example6 000 000 Ft

your profit before tax

You receive half of HUF 12 million net project profit: a 12% project return in this example. HUF 6 million is an illustrative result.

Even if the project makes a loss, we guarantee HUF 1,500,000 profit. In addition to repayment of your HUF 50 million capital, at settlement after the sale. The 3% is included in your profit share; before your own taxes, per project.

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Run the numbers

What would your share be?

Set the purchase price, costs and sale price. See your profit share, project return and its annualised equivalent.

Include acquisition, legal, holding, selling and all other project costs, plus contingency actually spent. Personal taxes are separate. No fee or tax rate is added automatically.

Your calculated return

Annualised return

23.01%10.91% project return
Your profit before tax6,000,000 HUFfrom one project
Before your own taxes · illustrative calculation
Total project funding
55,000,000 HUF
Net project profit
12,000,000 HUF
Urbanflip calculated project result
6,000,000 HUF
Your capital plus return
61,000,000 HUF
Total project duration
6 months

The annualised figure assumes the same percentage result and full reinvestment with no waiting time. It is not an annual return promise. The 3% profit guarantee applies per project, not per year.

How is this calculated?

Net project profit = sale price − purchase price − renovation − other costs. Your income is 50% of net project profit, with a minimum of 3% of total funding. Any shortfall is shown as funding required from Urbanflip. Project return = your income / total funding × 100. Annualised return = ((1 + project return / 100)^(12 / months) − 1) × 100. Taxes are not deducted.

What if I completed two projects?

We assume two consecutive projects with the same percentage investor result, reinvesting the entire closing amount. Second-project costs scale proportionally. This is a calculation assumption, not a promise of an achievable return.

Calculated closing amount after two projects
67,654,545 HUF
Combined investor return
23.01%
Assumed total time for two projects
12 months

This is a 12-month result only if the search, both renovations, sales and settlements all fit within 12 months. Personal taxes and waiting between projects may reduce reinvestable funds or extend the timeline.

The essentials before we start

Clear finances, too.

  • The property and your money

    The property is registered in your name or your company’s name. The minimum investment is HUF 40–50 million, depending on the project, funding purchase, renovation and associated costs. You can also pay contractor invoices directly.

  • What exactly do we split?

    We deduct the purchase price, renovation, furnishing, acquisition, legal, holding and selling costs from the sale price. We split the remaining net project profit before your own taxes.

  • When are you paid?

    At settlement after the sale, you receive your capital plus profit. The total timeline includes the search, renovation and sale. A longer sale period also delays payment.

  • As a private individual

    Taxable income from a property sale is generally subject to 15% personal income tax. Regular business-like flipping may involve different rules and additional taxes; we clarify this with your accountant at the start.

    NAV: taxation of property sales
  • You can invest through a company

    You do not need to withdraw capital personally from your company first: the company can buy the property. Urbanflip can invoice the company for its fee. Taxation and deductibility depend on the legal form, tax regime and transaction.

  • Timing, guarantee and exit

    Demand affects when the apartment sells. Capital repayment and the 3% guaranteed profit are Urbanflip’s contractual commitment, not a bank or government guarantee; performance also depends on our ability to pay. Force majeure and early exit are defined in the agreement.

Questions and answers

What to clarify before starting.

How do you find apartments at attractive prices?

We use several sources: estate-agent contacts, inherited-property sales and building managers also give us access to off-market opportunities. Buying with available cash strengthens our negotiating position and helps us buy below market value. Our own software continuously monitors listings and alerts us to good deals. We handle the search and price negotiation.

Who owns the apartment?

It is registered in your name. You own the property; we find the apartment and organise the renovation and sale. If you invest through a company, the company owns it.

Do I really just provide the capital?

Yes. We handle daily work: finding the property, design, contractors, procurement, furnishing and sale. No chasing trades or visiting the site. We will need your signature or authorisation for the necessary agreements.

How do we split the net profit?

We deduct the purchase price and all accounted project costs from the sale price: renovation, furnishing, acquisition, legal, holding and selling costs. Half the remaining net project profit is yours, half is ours. Here, net means after project costs but before your own taxes.

What is the minimum investment?

The minimum investment is HUF 40–50 million, depending on the project. It funds the purchase, renovation and associated costs. At our first conversation we work out which type of project suits your budget.

Is there a profit guarantee?

Yes: we guarantee 3% profit per project on your full, documented project funding. At settlement after the sale you are entitled to your capital plus at least 3%. If half the net profit is higher, you receive the higher amount. The 3% is included in your profit share; the guarantee applies per project, not per year. With HUF 50 million, the guaranteed profit is HUF 1.5 million before your own taxes.

What if renovation costs rise or the apartment sells for less?

Our 3% profit guarantee still applies. If the sale does not cover the full invested capital plus the guaranteed profit, Urban Flip Studio funds the difference at settlement. You do not have to solve the daily problems: we manage the project and contractors.

When do I receive my money back?

At settlement after the apartment is sold, together with your return. Allow time for the search, renovation and sale. A delayed sale also delays payment; the 3% profit guarantee applies to the project, not to a fixed annual period.

What risks should I consider?

The main uncertainty is timing: weaker demand may make the sale take longer. Capital repayment and the guaranteed profit are Urban Flip Studio’s contractual commitment, not a bank or government guarantee; performance also depends on our ability to pay. Force majeure and early exit are addressed in the contract.

How are private individuals and companies taxed?

For a private individual, taxable income from a property sale is generally subject to 15% personal income tax. Regular business-like flipping may involve different rules and additional taxes, so your accountant should check your position at the start. Company taxation depends on legal form and tax regime. You do not need to withdraw capital personally first: the company can buy the apartment and Urban Flip Studio can invoice the company for its fee. Your accountant determines deductibility for the particular transaction. NAV: taxation of property sales

Can I pay for the renovation directly?

Yes. You can pay contractor invoices directly while we still organise and manage the work. We agree the schedule and budget in advance.

What results did earlier projects achieve?

Vámház körút returned approximately 30% over 12 months, Gőzmozdony utca 18% over 4 months and Balázs Béla utca 21% over 5 months, before tax. These are owner-reported full-project returns, not payouts to a previous external investor. Exact purchase and sale figures are private. The investor share under the 50–50 model is illustrated separately; past results do not promise the same future returns.

What is the next step?

Let’s discuss your capital and timing. We show you how we work, answer your questions and, if it suits both sides, prepare the partnership. The first conversation does not commit you to invest.

First step: a conversation

Let’s see if this model suits you.

Tell us your budget and timing. We will discuss the possibilities, costs and open questions.

An enquiry creates no obligation to invest. An individual agreement defines the terms.

+36 70 604 3807

Send your message directly from this page, without opening an email app. Or email us: martindobos123@gmail.com.

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