User Guide
Your Complete Guide to Covest
A comprehensive overview of fractional real estate ownership in Mexico through regulated Fideicomiso bank trusts — from your first visit to ongoing position management.
Understanding the Platform
What Is Covest?
Covest combines bank-level trust infrastructure with modern technology to make fractional ownership of luxury Mexican real estate accessible and transparent.
The Covest Platform
Covest is a fractional real estate marketplace that enables qualified investors to own deeded fractions of luxury properties in Mexico. Every acquisition is structured through a regulated bank trust, giving you real property rights — not shares in a company or tokens on a ledger.
The Fideicomiso Trust
A Fideicomiso is a Mexican bank trust regulated by the CNBV (Comisión Nacional Bancaria y de Valores). Covalto's banking infrastructure enables Covest to administer each trust with institutional rigor. Your ownership is recorded in Mexico's Public Registry of Property — a sovereign, publicly verifiable record independent of any platform.
How It Works
How Fractional Ownership Works
Fractional ownership through a Fideicomiso gives you the legal equivalent of direct property ownership — structured for multiple co-owners under a single regulated trust.
Select a Property
Browse the Covest Marketplace to find luxury properties across Mexico. Each listing includes full documentation, financial projections, property reports, and location details.
Determine Your Fraction
Choose the ownership percentage that fits your investment goals. Minimum fractions start at accessible levels, allowing you to diversify across multiple properties.
Trust Establishment
A dedicated Fideicomiso bank trust is established with Banco Covalto as fiduciary trustee. All terms, beneficiary rights, and obligations are formally notarized under Mexican federal law.
Ownership Recorded
Your beneficial ownership interest is recorded in Mexico's Public Registry of Property (Registro Público de la Propiedad). You receive an official trust certificate from Banco Covalto.
First Steps
Getting Started
Four simple steps to begin your journey as a fractional property owner in Mexico.
Create Your Account
Register on the Covest platform with your basic information. You'll complete biometric KYC identity verification through Banco Covalto's regulated infrastructure — no office visit required.
Browse the Marketplace
Explore available properties with detailed documentation, financial models, and location insights. Filter by region, property type, projected returns, and minimum investment.
Select a Property
Review the full property dossier including legal title status, appraisal reports, rental projections, and trust terms. Every document is available online before any commitment.
Begin Due Diligence
Initiate the formal review process. Covest provides complete transparency on property history, legal standing, and financial projections so you can make an informed decision.
Investment Flow
The Investment Process
A regulated, transparent process from initial review through confirmed ownership — fully digital, powered by Banco Covalto's institutional infrastructure.
Due Diligence
1–2 weeksReview and verify
Complete your review of the property documentation, legal title, appraisals, and financial projections. Ask questions through the platform and receive responses from the Covest team.
Trust Formation
1–2 weeksLegal structuring
The Fideicomiso bank trust is formally established with Banco Covalto as fiduciary trustee. Trust documents are drafted specifying all beneficiary rights, obligations, and governance terms.
Funding
3–5 business daysSecure your position
Transfer your investment through Banco Covalto's regulated banking infrastructure. Funds are held in escrow within the trust until all legal documentation is finalized.
Legal Recording
2–3 weeksNotarization and registry
Trust documents are notarized through authorized protocols and filed with Mexico's Public Registry of Property. This creates a sovereign ownership record independent of any platform.
Ownership Confirmed
Upon completionCertificate issued
Banco Covalto issues your official trust certificate. Your owner dashboard activates with full access to property reports, rental income tracking, and usage scheduling.
Key Financial Information
Fees, Risks & Returns
A summary of the key financial considerations for Covest investors. For complete details, fee schedules, and risk disclosures, visit the full investment details page.
Fees
One-Time Structuring Fee
Covers Fideicomiso trust formation, notarization, Public Registry recording, and legal documentation. Charged once at the time of investment.
Monthly Platform Fee
Covers property management, reporting, insurance coordination, reserve fund administration, and ongoing regulatory compliance.
Performance Fee
A percentage of net rental income after operating expenses. Aligns Covest's incentives with your investment performance.
Key Risks
Liquidity Risk
Fractional real estate positions are less liquid than publicly traded securities. Secondary market availability may be limited during early platform stages.
Market Risk
Real estate values fluctuate based on local market conditions, economic factors, and regional demand. Past performance does not guarantee future returns.
Regulatory Risk
Changes in Mexican banking, tax, or property law may affect trust structures, ownership rights, or investment returns.
Ongoing Management
Managing Your Position
Once your ownership is confirmed, the Covest platform provides everything you need to monitor and manage your investment.
Owner Dashboard
Access your personalized dashboard with real-time visibility into property performance, occupancy rates, maintenance activity, and trust documentation.
Rental Income Reports
Receive transparent quarterly reports on rental income, operating expenses, reserve fund status, and net distributions. Every line item is documented.
Usage Scheduling
For properties with personal use rights, schedule your stays through the platform. Allocation is proportional to your ownership percentage.
Secondary Market Access
When available, list your fractional position on the Covest secondary marketplace. The platform facilitates trust certificate transfers between verified investors.
Ready to Get Started?
Browse the Covest Marketplace to discover luxury fractional real estate opportunities in Mexico, or contact our team to learn more.