For many, today’s pensions no longer cover the standard of living, and mounting financial pressures make the system unlikely to remain sustainable for future generations.
Start your wealth-building
journey through real estate
Turnkey real estate investment means creating lasting wealth — with expert guidance, complete support, and a 6–7 figure property portfolio, even without upfront capital.
4.9 stars from over 150 reviews
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An investment that contributes to long-term wealth growth.
*Continuously rising rents enable sustainable real estate investments — even for average earners.
Your holistic partner for building lasting wealth strategically.
Reducing your tax burden by converting it into tax-free assets.
Creating passive income and building an additional source of earnings.
RETIREMENT GAP + OLD-AGE POVERTY
The Great
Retirement Gap:
Secure your future before it’s too late!
Why planning for retirement matters more today than ever before:
Standard of Living
Without private retirement planning, it’s inevitable that your standard of living will take a sharp turn once you enter retirement.
Retirement Gap
Inflation
Inflation places additional strain on already weakened pension funds. As a result, the real purchasing power of pension payments continues to decline.
Care Costs
The extremely high cost of long-term care in old age can far exceed pension benefits, pushing many retirees into a financially precarious situation.
Low interest rates
Given already low interest rates, rising inflation further erodes the value of savings, effectively reducing their real purchasing power.
Featured in
“We create
prosperity and wealth -
for your family, your friends, and the next generation.”
Tobias Bräunig
Managing Director of Freundeskreis Gruppe
REDUCE YOUR TAX BURDEN
Turn your tax burden into tax-free real estate wealth!
Imagine you purchase an apartment for €175,000. Of this amount, €35,000 (20%) is attributable to the land, leaving a depreciable acquisition cost of €140,000. Based on our expert appraisal, you can apply straight-line depreciation (AfA) of 4% to this amount.
That means you can claim €5,600 per year for tax purposes—a significant figure that directly reduces your tax burden. You can continue to use this depreciation in the following years to build your property wealth.
Two goals at once: You reduce your tax burden and simultaneously build tax-free real estate assets
*Expert appraisal pursuant to DIN EN ISO/IEC 17024 to substantiate a shorter useful life under sec. 7(4) sentence 2 EStG (German Income Tax Act).
Long-term
wealth building
-
even without upfront capital
Now is a favorable time to buy properties that can be self-financed through reliable rental income. Few areas offer such strong potential for long-term wealth building.
On top of that, thanks to our broad experience, Freundeskreis identifies the right properties for each client—together with the optimal financing
This often opens entirely new investment perspectives for our clients —
and sometimes for their whole lives.
Sorgenfreier Leben
Your steady rental income enables a more worry-free, comfortable life—both today and in retirement.
More time for your family
Use your property portfolio to spend more time with your loved ones and less on work obligations.
Financial freedom
Predictable rental income creates a passive income stream that reduces your dependence on your job.
Together towards
financial freedom.
How our clients have built 6- and 7-figure wealth – even without upfront capital.
Anja
Tax Consultant for Real Estate Law
- I was afraid that financing an investment property would make it impossible for me to buy my own home later. The Freundeskreis Group took away that worry by transparently showing me all the available options.
Ronny und Nadine
Validation Engineer, School Social Worker
- As a working patchwork family with six children, we didn’t have the time for financing, notary appointments, and all the organization – and that’s exactly what the Freundeskreis Group took care of for us with their all-around worry-free package.
Andreas Dold
Lawyer
- From the first contact to the notary appointment, the Freundeskreis Group took care of everything for me – and I could always rely on being supported every step of the way.
Katharina Iwanow
Accountant
- As a skeptic, it was especially important to me that every one of my questions was answered in detail — and that’s exactly what the Freundeskreis Group achieved through their expertise and transparency.
4.9 stars from over 150 reviews
Everything from a single source.
Comprehensive, end-to-end real estate solutions.
We identify the right properties for our clients and secure attractive financing structures.
2. Property acquisition
Now is a time for long-term wealth building.Don’t wait to buy real estate – buy real estate and wait.
- Suitable financing
- Fair purchase price
- On request: no upfront capital
1. Property selection
With 12 years of experience, we carefully screen every property to ensure it meets our quality standards.
- Prime location with strong growth potential
- Excellent condition
- High rental demand
4. Tenant placement
Our local experts are available at any time to help with all aspects of letting your property.
- All units rented (100%)
- Optional rent guarantee
- Assistance with all tenant matters
3. Property management & support
We provide a truly worry-free package. Even after the purchase, we remain your point of contact for everything related to the property.
- In-house property management
- Local network of contractors
- On request: individual-unit management
Your reliable partner for
predictable wealth building
Why Freundeskreis is the right partner by your side:
- We offer financing without upfront capital to make it easier to start your real estate investment.
- Together, we plan and achieve your property goals through passive wealth building with real estate.
- Our service ensures we find the ideal property at the optimal price.
- Freundeskreis-Gruppe has excellent creditworthiness and is CREFO-certified.
Your Path to Ownership
Take your future into
your own hands
Initial consultation:
- Joint analysis of your real estate goals
- Selection of the property
- Tax review of your current situation
01
Property viewing:
An on-site visit lets you personally verify the condition of the property.
A member of our team will be present to answer all your questions in detail.
02
Financing:
Our financing experts develop a tailored financing concept for you. A qualified valuation report is prepared by the lending bank.
03
Notary appointment:
We forward all required documents to the notary for the draft purchase agreement.
Afterwards, you have at least two weeks to review the contract for accuracy.
04
Handover & management:
- Leasing & tenant placement
- Resident relations & support
- Maintenance, compliance & financial management
05
Partnership / ongoing support:
Partnership / ongoing support:
Once you’ve become a real estate investor, we remain at your side as a partner—ready to advise and assist you with any questions and to support your continued wealth building.
06
We make real estate transactions
more personal
Our name reflects how we do good business for everyone involved: built on trust and humanity — like among friends.
Today is a favorable time to make property ownership and wealth building accessible to many — including people who never thought it possible, or who tried before without success. As a competent, experienced partner with an excellent reputation and strong financing relationships, we open up new paths — even financing without upfront capital. Transparent processes, reliable calculations, and swift execution define our projects and the way we work at Freundeskreis.
Always fair and dependable.
Company Facts & Figures
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properties sold
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years of experience
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More Customer Testimonials
Johannes Ostwald
CEO Süddeutschland GmbH
- What surprised me most was the simplicity and speed of the entire process – at every stage, we were well informed, always up to date, and had all the information we needed.
Ghazale
Field Sales Representative
- With the Freundeskreis Group, I was able to sit back and relax – they found the properties, organized the financing, and gave me confidence every step of the way.
Janek Dwehus
Sales Manager
- The biggest advantage was the enormous time savings: the Freundeskreis Group took care of the entire process for me – quickly, professionally, and with a personal touch.
Uli
Consultant for Company Bike Leasing
- The Freundeskreis Group showed me that real estate investing is possible even without equity – with transparent communication and guidance throughout the entire process, I felt safe and well taken care of at all times.
4.9 stars from over 150 reviews
Expert Voices
Insights from Real Estate Experts
Martin Richter
Tax Advisor, Investor, Speaker
“The Freundeskreis all-in-one package is exactly right for first-time investors as well as busy families and entrepreneurs. My friend and business partner, Tobias Bräunig, recognized—through his own real estate investments—the bottlenecks many investors face. With the Freundeskreis-Gruppe, he has solved precisely these problems for new investors.”
Marco Lücke
Founder of Immocation
“Tobias impresses with an exceptional mindset and remarkable perseverance. Under his leadership, the Freundeskreis-Gruppe has made access to real estate investing easier for everyone— in a way that is both personable and highly professional. His efforts clearly set him apart and make him an inspiring figure in the industry.”
Markus Beforth
Investor, Speaker, Amazon bestselling author & Coach
“Through the end-to-end digitization of his processes, Tobias delivers exceptional value to his clients and makes the experience simple and seamless. His many years of experience give every client a strong sense of security. As a true team player with a personable manner, Tobias creates a pleasant, trusting atmosphere—truly like among friends.”
Oliver Fischer
Real Estate Coach
“Tobias is a true expert in his field. Through his appearances on my InvestorTalk podcast and his talks at my FIX&FLIP live events, I’ve seen the breadth of his expertise first-hand. He implements innovative real estate concepts with clarity and simplicity. His drive and energy are contagious and motivate others to follow his example.”
FAQ
Our Most-Asked Questions
Do you have questions? We are here to assist.
Can real estate really be purchased without upfront capital?
We care deeply that, as a future real estate investor, you always receive the best possible solution at the best possible price. In these challenging times, we developed an innovative concept in early 2019 that enables you to purchase property without upfront capital. In this model, the Freundeskreis Group finances the equity portion for you.
We believe in full transparency with no hidden conditions. In a free initial consultation, we will walk you through our detailed calculations to show exactly how the system works—and how you can enter the real estate market without upfront capital.
What happens if the tenant doesn’t pay the rent?
We offer an optional rent guarantee to provide additional peace of mind. In addition, our local property management personally addresses any issues by the third day of each month at the latest. For further security, we require a security deposit equal to three months’ rent.
Before the lease begins, we conduct a comprehensive tenant screening—including a SCHUFA credit report, verification of the employment contract, and a landlord reference—to ensure the tenant is trustworthy and reliable.
How much time should I expect to spend each month on property management?
Our efficient property management setup lets you stay on top of things with minimal time investment. Each month, you’ll spend about five minutes to verify the rent payment. At year-end, around one hour is sufficient to prepare and send the annual service-charge statement.
This simple, time-saving approach allows you to manage your investment comfortably—without sacrificing valuable time.
What are my options if the tenant moves out of my property?
In the event of a tenant change, our in-house local management handles the entire re-letting process for you. This includes listing the property at the current market rate, conducting viewings, and screening and selecting suitable tenants. As the owner, you don’t need to take any action—we manage every detail to ensure a seamless transition and continued profitability/occupancy of your property.
What safeguards does my investment offer?
Real estate is widely regarded as one of the most secure asset classes. With residential housing becoming increasingly scarce, rental income tends to rise over time, adding stability to your investment. This is just one of many factors that help protect your capital in the long term.
Learn more about these opportunities in a personal consultation with our team.
What if a tenant contacts me about an issue and I can’t be on site?
You don’t need to be on site to resolve these matters. At each of our locations, we work with a team of qualified contractors and technicians who respond quickly and effectively to any issue. From minor repairs to more extensive maintenance, we handle everything end to end—so you can relax while we take care of what’s needed.
How is the income tax reduction application handled?
The income tax reduction application is governed by statutory requirements. Once you contact us, we will connect you directly with our experienced tax specialist, who will handle your case personally and ensure that your application is prepared correctly and filed on time.
Our goal is to provide a smooth and efficient process so you can fully benefit from the available tax relief.
Do I get support with future rent increases?
Of course, we continue to support you after completion with rent increases, ensuring your rental income aligns with your needs. Our experts guide you through the proper, legally compliant implementation of rent adjustments. We provide advice and hands-on support across all relevant steps—from meeting statutory requirements to communicating effectively with your tenants.
Our goal is a smooth process so you can manage the financial aspects of your property optimally.
Do you still have questions?
If you haven’t found the answer you’re looking for, please contact our team—we’re happy to assist.
Address
Freundeskreis Gruppe
Schwarzwaldstraße 32
77933 Lahr
Copyright 2025 Freundeskreis Projektentwicklung GmbH