Real Estate Crowdfunding Platforms Compared
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- ROIStreet Publisher
Real-estate crowdfunding platforms can look similar until you examine what the investor actually buys. One platform may sell shares of a pooled fund, another property-specific securities, another short-term real-estate debt, and another accredited-only commercial-property or DST interests.
ROIStreet compares the structure behind the marketing: who can invest, the minimum required, how fees stack, what liquidity actually exists, and how much control investors have over individual deals. The page does not rank expected returns or identify a universal best investment.
Educational comparison of published platform features. Not investment, tax, or legal advice. Not an offer or recommendation to open any account or buy any security. Some links are affiliate links. See disclosure.
How this comparison works
The easiest facts to compare are minimums and published platform fees. The harder differences are usually more important: whether the investment is debt or equity, pooled or property-specific, how the sponsor is paid, and whether the investor has a realistic exit before the underlying deal ends.
This rubric measures published structure, access, costs and liquidity—not expected return and not the “best investment.”
| Dimension | Weight | What it covers |
|---|---|---|
| Investor eligibility and access | 15% | Distinguishes offerings open to non-accredited investors from accredited-only or offering-specific access. A wider eligibility pool is not treated as evidence of a better investment. |
| Minimum investment | 10% | Uses the documented minimum for the relevant current product. Offering-specific minimums stay qualified; a low entry amount does not imply low risk. |
| Fee-stack transparency | 20% | Looks beyond a headline platform fee to management, servicing, sourcing, acquisition, property-level expenses, financing costs, disposition fees and performance participation where applicable. |
| Liquidity and redemption structure | 20% | Examines holding periods, redemption programs, trading windows, secondary-market mechanisms, gates and suspensions. None is treated as guaranteed liquidity. |
| Investment structure and exposure | 15% | Identifies what the investor actually owns: fund shares, property-series interests, debt securities, private-placement interests, DST beneficial interests or another structure. |
| Disclosure quality | 10% | Looks at how clearly current offerings, fees, legal structure, risks and exit mechanics are documented in first-party and regulatory materials. |
| Investor control and diversification choices | 10% | Distinguishes platforms built around individual deal selection, pooled diversification or both. More choice is descriptive, not automatically superior. |
Platform comparison
Listed alphabetically. The order of this table is not a ranking.
1031 Crowdfunding
- Investor eligibility
- Offering-specific — DST and other private-placement offerings are generally limited to accredited investors; 1031 Crowdfunding states that certain securities displayed on the platform are intended for accredited investors only, so eligibility must be checked for each offering.
- Minimum investment
- Offering-specific. Selected DST offerings currently use roughly $25,000–$100,000 minimums; no universal platform minimum applies across every DST, REIT, QOF or bridge-fund product.
- Current new-investment availability
- Open — 1031 Crowdfunding currently advertises a marketplace of 70+ ready-to-invest properties and lists active DST, bridge-financing and other private real-estate offerings as of September 10, 2026.
- Primary investment structure
- Private real-estate marketplace operated by 1031 Crowdfunding, LLC, with securities broker-dealer services provided by Capulent, LLC for applicable offerings. DST investors buy beneficial interests in property-owning trusts rather than direct deeds, while REIT, QOF and bridge-fund products use their own private-vehicle structures.
- Real-estate exposure type (equity, debt or both)
- Both — real-estate equity or beneficial-interest exposure is available through DSTs, REITs and other private vehicles, while bridge-financing funds and similar products can provide real-estate-backed debt exposure.
- Individual-property selection vs. pooled/fund exposure
- Both — investors can choose specific DST and other marketplace offerings; DSTs may hold a single property or a portfolio, while REITs, bridge funds and Opportunity Funds use pooled structures.
- Property or strategy focus
- Tax-oriented private real estate led by 1031-exchange DSTs across senior housing, multifamily, medical office, industrial, self-storage and other commercial real estate, plus bridge lending, REITs, Opportunity Funds and 721/UPREIT structures.
- Investor-facing fee structure
- Offering-specific — no universal platform-wide investor fee applies across every 1031 Crowdfunding product; the applicable PPM, prospectus or offering documents disclose the fees for each investment.
- Other material fee layers / promote / property-level costs
- DST offerings may include acquisition and due-diligence or organizational costs, ongoing asset-management and operating expenses, financing, legal and administrative costs, and disposition fees; amounts vary by sponsor and offering.
- Typical or stated holding-period structure
- Offering-specific and multi-year — 1031 Crowdfunding currently describes DST hold periods as typically about 5–10 years and notes that actual timing can differ materially with market conditions.
- Liquidity / redemption treatment
- Private-market liquidity. DSTs commonly use multi-year holding periods, often about 5–10 years, and there is no guaranteed secondary market or daily redemption; other products use their own offering-specific exit or redemption terms.
- Secondary-market availability
- No guaranteed secondary market — private placements are illiquid, and DST investors generally cannot choose their own exit date; an early sale may be unavailable or possible only at a material discount.
- IRA / SDIRA availability
- Supported through a self-directed IRA with a qualified custodian; eligible alternative assets can include real estate, private placements, mortgage notes and DST interests.
- Regulatory / securities / intermediary structure
- 1031Crowdfunding.com is owned by 1031 Crowdfunding, LLC, which is not itself a broker-dealer. Applicable private-investment marketing and broker-dealer services are provided through Capulent, LLC, a FINRA/SIPC-member broker-dealer (CRD 155155; SEC 8-67384); offering exemptions and eligibility are security-specific.
- Last fact checked
- 2026-09-10
Ark7
- Investor eligibility
- Open to accredited and non-accredited investors through Ark7’s Regulation A offerings, subject to each offering’s eligibility and jurisdictional limits.
- Minimum investment
- Current 2026 offering documents show property-series shares around $20 as a starting-share reference. Actual share price is series-specific.
- Current new-investment availability
- Open — Ark7 currently displays rental-property series that are ready for investment and allows investors to choose specific properties and buy shares.
- Primary investment structure
- Fractional private real-estate securities issued through property-specific series or entity structures under Regulation A. Investors buy interests in the relevant offering rather than direct deeded fractions of the property; eligible secondary trading is facilitated through PPEX/North Capital after applicable holding requirements.
- Real-estate exposure type (equity, debt or both)
- Equity — investors purchase securities interests in property-specific Ark7 series or entities tied to rental real estate; the investment is not a personally deeded fractional title to the underlying property.
- Individual-property selection vs. pooled/fund exposure
- Individual-property selection — investors choose specific single-family or multifamily rental-property series rather than allocating to a blind pooled real-estate fund.
- Property or strategy focus
- Residential rental real estate, primarily single-family and multifamily properties across multiple U.S. markets, including long-term and selected short-term rental strategies.
- Investor-facing fee structure
- Current SEC offering documents disclose a sponsor-related sourcing fee no greater than 3% of maximum offering size, with example Series #PJI26 using 3%. Ark7 does not currently use a conventional annual percentage-of-assets fee, but current offering terms allow an Asset Management Fee of up to 15% of Free Cash Flows available for distribution, set at 15% for the cited series. Property-management expenses are referenced at approximately 8% of rental income for long-term rentals and up to approximately 15% for short-term rentals.
- Other material fee layers / promote / property-level costs
- Ark7 states that it charges no annual AUM fee; property economics include an approximately 3% sourcing fee and property-management fees generally around 8%–15% of rental income, depending on the property or strategy. IRA custody fees are separate.
- Typical or stated holding-period structure
- Shares become eligible for secondary trading after a current 12-month holding period.
- Liquidity / redemption treatment
- Secondary trading is available through the PPEX alternative trading system operated by North Capital Private Securities Corporation (CRD 154559) after the holding period. Liquidity is not guaranteed: there may be no buyer, no particular price, no immediate settlement and no full exit, and private real-estate shares can trade at a discount to the original price or current property-value estimate.
- Secondary-market availability
- Yes, limited — eligible shares can trade through the PPEX ATS after the applicable 12-month holding period. Trading depends on buyer demand, and Ark7’s legal disclosures state that a secondary market is not guaranteed to develop or remain available.
- IRA / SDIRA availability
- Traditional and Roth IRAs are supported through Inspira Financial. The custodian charges $100 annually per property, capped at $400 per year, with the fee waived when average account balance exceeds $100,000.
- Regulatory / securities / intermediary structure
- Ark7 manages the Ark7 property entities but states that neither Ark7 nor Ark7 Properties is a broker-dealer or investment adviser. Securities offers and sales are facilitated through Dalmore Group LLC, a FINRA/SIPC-member broker-dealer, and applicable series offerings are qualified with the SEC under Regulation A.
- Last fact checked
- 2026-09-04
Arrived
- Investor eligibility
- Open to U.S. citizens and green-card holders age 18 or older who reside in one of the 50 states; accreditation is not required for individual property offerings, the Single Family Residential Fund, Real Estate Income Fund or City Funds.
- Minimum investment
- $100 across current Arrived offerings.
- Current new-investment availability
- Product-specific — Arrived supports individual properties and pooled funds, but individual listings open and close as they fund and pooled products follow their own subscription status. Investors should use the live offering page to see what is accepting new investment as of September 10, 2026.
- Primary investment structure
- Regulation A private real-estate securities using property-specific series or entity structures for individual rentals plus separate fund vehicles. Investors purchase interests in the relevant series or fund rather than direct deeded ownership of a fractional house.
- Real-estate exposure type (equity, debt or both)
- Both equity and debt — individual rental-property and residential-fund interests provide real-estate equity exposure, while the Real Estate Income Fund provides real-estate-backed credit exposure.
- Individual-property selection vs. pooled/fund exposure
- Both — investors can select individual rental or vacation properties or use pooled Single Family Residential, City and Real Estate Income funds.
- Property or strategy focus
- Residential real estate: long-term single-family rentals, vacation rentals, city-specific residential portfolios and real-estate-backed credit.
- Investor-facing fee structure
- AUM charges differ by product. Individual single-family property: 0.15% of asset purchase price quarterly (0.60% annualized reference). Single Family Residential Fund: 0.25% of net assets quarterly (1.00% annualized). Real Estate Income Fund: 0.30% of net assets quarterly (1.20% annualized). Vacation rentals: variable based on rental income, with a historical average reference of approximately 0.10% of initial investment per quarter. Property management is generally paid at the property level: 8% of gross rental income for single-family properties and typically 15%-20% for vacation rentals. Secondary-market transactions may pay the executing broker up to 2.5% on the buy side and up to 2.5% on the sell side.
- Other material fee layers / promote / property-level costs
- Beyond Arrived’s product-specific AUM fee, investments may bear closing and escrow costs, a one-time sourcing fee, repairs and maintenance, property-management expenses and property taxes; offering documents and property financial tabs disclose the applicable amounts.
- Typical or stated holding-period structure
- Individual-property shares become eligible for the secondary market after a 6-month minimum holding period. Real Estate Income Fund redemptions are eligible after six months, processed quarterly, with a 1% early-redemption cost for applicable periods from six months through three years and no stated redemption cost after three years under current terms.
- Liquidity / redemption treatment
- Not daily and not guaranteed. Eligible individual-property shares can trade in approximately one one-week window per month through limit orders and matching, with no guaranteed sale. Fund-style products are not traded on the individual-property secondary market and instead use redemption programs; the Income Fund has intended quarterly and annual limits of approximately 5% and 20% of NAV.
- Secondary-market availability
- Individual-property shares become eligible after a property is fully funded and the shares have been held at least six months; Arrived runs a one-week trading window each month and trades require matching orders. Fund products use separate redemption programs and do not trade on this secondary market.
- IRA / SDIRA availability
- Checkbook IRAs are accepted, including self-directed checkbook IRA structures; Solo 401(k)s can use the same account-creation flow. Arrived also identifies Rocket Dollar as a Checkbook IRA provider.
- Regulatory / securities / intermediary structure
- Arrived investments are securities offered through Regulation A-qualified structures; investors purchase interests or shares in the applicable property series or fund rather than a direct deeded percentage of the underlying property.
- Last fact checked
- 2026-09-04
Crowd Street
- Investor eligibility
- Yes
- Minimum investment
- Minimums generally start around $25,000 and vary by offering.
- Current new-investment availability
- Open — Crowd Street currently lists live private-market offerings and states that it aims to launch multiple offerings each month; availability changes by individual offering or fund.
- Primary investment structure
- Both single-asset private placements and pooled funds or registered non-traded vehicles, depending on the offering.
- Real-estate exposure type (equity, debt or both)
- Both equity and credit — Crowd Street provides access to commercial-real-estate direct deals and real-estate funds alongside private-credit offerings; this real-estate roundup should not imply that the entire current platform is CRE-only.
- Individual-property selection vs. pooled/fund exposure
- Yes
- Property or strategy focus
- private equity, private credit, venture capital, commercial real estate, secondaries, real assets, diversified private-market funds
- Investor-facing fee structure
- Crowd Street generally does not charge Marketplace investors an account-opening or platform-access commission for participating in an offering. Crowd Street Capital can receive fees from sponsors or issuers; current Form CRS disclosure indicates sponsor-facing placement/due-diligence economics can fall in approximately the 1%-5% range of an offering. Underlying investments can separately charge management, acquisition, disposition and asset-management fees, fund expenses, servicing costs, carried interest and promotes.
- Other material fee layers / promote / property-level costs
- Management, acquisition, disposition and asset-management fees, fund expenses, servicing costs, carried interest and promotes
- Typical or stated holding-period structure
- Long. Direct deals may remain locked until sale, refinancing, recapitalization, maturity or a sponsor-controlled exit.
- Liquidity / redemption treatment
- Private investments are generally illiquid. Private funds can offer periodic redemption or repurchase programs, but availability is vehicle-specific and can be restricted or suspended. There is no dependable secondary market.
- Secondary-market availability
- No dependable general secondary market — Crowd Street states that private placements are illiquid and generally cannot be easily sold or exchanged for cash.
- IRA / SDIRA availability
- Yes
- Regulatory / securities / intermediary structure
- Crowd Street Capital LLC - CRD 312762, FINRA member, SIPC member; acts as broker/placement agent for applicable private securities
- Last fact checked
- 2026-09-04
EquityMultiple
- Investor eligibility
- Yes
- Minimum investment
- Lowest current starting point $5,000 (e.g. Alpine Note; current Ascent Income Fund first-time investor minimum); typical offering minimums $10,000–$30,000 with $5,000 increments; offering-specific.
- Current new-investment availability
- Open — EquityMultiple currently presents short-term notes, commercial-real-estate income or debt strategies and direct CRE equity opportunities, while individual offerings open and close over time and full live inventory requires account access.
- Primary investment structure
- Accredited-investor private commercial-real-estate platform offering direct transactions and funds across common equity, preferred equity and debt. Direct investments can be made through an EquityMultiple-managed LLC, a project-payment-dependent note or a sponsor-controlled SPV, while fund structures vary by fund; investors generally hold an interest in the investment vehicle rather than direct deeded ownership of the underlying property.
- Real-estate exposure type (equity, debt or both)
- Both equity and debt — offerings span common equity, preferred equity and senior or mezzanine real-estate debt, plus real-estate funds.
- Individual-property selection vs. pooled/fund exposure
- Both — investors can select direct commercial-real-estate transactions across common equity, preferred equity and debt, while separate fund offerings provide pooled exposure.
- Property or strategy focus
- Commercial real estate across property types and risk profiles, with strategies spanning short-term notes or cash-management products, senior debt and preferred-equity income, value-add or opportunistic equity and diversified CRE funds.
- Investor-facing fee structure
- Offering-specific. No established universal investor membership fee and no single platform-wide percentage. Possible categories include asset-management/monitoring, servicing, origination, due-diligence, processing/documentation, extension/modification, profit participation (promote) and fund-level expenses. Each live offering's documents control.
- Other material fee layers / promote / property-level costs
- Offering-specific — direct investments can include annual monitoring or servicing fees, origination or administrative expenses and, for some equity offerings, performance participation or promote. Fund and note products use their own disclosed fee structures, and some note products are described as having no investor fee.
- Typical or stated holding-period structure
- Until an offering-level exit; assume multi-year
- Liquidity / redemption treatment
- Private securities are restricted and highly illiquid. EquityMultiple's current FAQ states there is no current secondary market for restricted securities. Expected holding period runs until maturity, sale, refinance, liquidation or another offering-specific exit. Private transfers may be possible with restrictions and are not guaranteed. Fund redemptions are offering-specific; Ascent Income Fund redemption eligibility begins after one year under current terms.
- Secondary-market availability
- No general secondary market — EquityMultiple states that its securities are restricted and highly illiquid. Private transfers may sometimes be arranged subject to restrictions, but investors should expect to hold to maturity or a liquidation event.
- IRA / SDIRA availability
- Supported through several self-directed IRA custodians; investors create an IRA investment account in the EquityMultiple portal and must still satisfy the platform’s accredited-investor requirement.
- Regulatory / securities / intermediary structure
- EquityMultiple offerings are private securities with offering-specific structures. EM Advisor (CRD 314402 / SEC 802-136493) is no longer SEC-registered—the SEC registration terminated May 1, 2026 and it now files as an exempt reporting adviser. Certain offerings use registered broker-dealer placement services, including Growth Capital Services, Inc.; the applicable intermediary is offering-specific.
- Last fact checked
- 2026-09-03
Fundrise
- Investor eligibility
- Broad retail access for core funds — most Fundrise funds do not require accredited-investor status; Regulation D offerings are limited to accredited investors. Individual eligibility also requires applicable U.S. residency and tax-identification requirements.
- Minimum investment
- $10 minimum initial investment on the taxable platform; $1,000 minimum for an IRA
- Current new-investment availability
- Open — Fundrise currently lists the Flagship Real Estate Fund and Income Real Estate Fund as open for investment; other Fundrise funds can be closed or available only in limited windows.
- Primary investment structure
- Private alternative-investment platform in which investors acquire shares of one or more Fundrise-managed funds rather than direct deeded ownership of the underlying real estate. The funds can hold diversified private real-estate assets and other permitted alternative investments, with the applicable fund wrapper and offering documents defining investor rights.
- Real-estate exposure type (equity, debt or both)
- Yes
- Individual-property selection vs. pooled/fund exposure
- Pooled funds — retail real-estate exposure is through Fundrise-managed funds. Investors can use an investment plan or directly choose an available fund, but they do not select individual properties for direct investment.
- Property or strategy focus
- The Flagship Real Estate Fund emphasizes build-for-rent single-family housing, multifamily and industrial assets, while the Income Real Estate Fund focuses on real-estate-backed private credit.
- Investor-facing fee structure
- Annual: 0.15%; Equivalent per 1000: $1.50/year
- Other material fee layers / promote / property-level costs
- Fundrise’s real-estate funds carry a 0.85% annual management fee in addition to the 0.15% annual advisory fee; offering documents may disclose additional situational fund-level expenses. Separate private funds can use different fee and incentive structures.
- Typical or stated holding-period structure
- Multi-year; private real-estate and private-credit funds are designed for long holding periods
- Liquidity / redemption treatment
- Long-term orientation with no guaranteed liquidity; Flagship and Income funds run quarterly repurchase offers subject to limits; legacy eREIT liquidation requests are typically reviewed quarterly with an approximately 1% penalty under five years
- Secondary-market availability
- No platform-wide public secondary market for Fundrise’s real-estate funds. Liquidity is fund-specific: the Flagship and Income interval funds use periodic repurchase offers, while private funds may provide limited or no liquidity. The public listing of the former Innovation Fund must not be treated as liquidity for Fundrise real-estate funds.
- IRA / SDIRA availability
- Roth and Traditional IRAs are supported through Fundrise’s directed custodian, Inspira Financial; the IRA minimum is $1,000 and Inspira charges a $125 annual custody fee, subject to Fundrise’s qualifying fee-waiver program. SEP and SIMPLE IRA requests are handled through support.
- Regulatory / securities / intermediary structure
- Fundrise Advisors, LLC is an SEC-registered investment adviser. The Flagship Real Estate Fund and Income Real Estate Fund are registered investment companies under the Investment Company Act of 1940; Fundrise also sponsors Regulation A and Regulation D funds with different offering structures.
- Last fact checked
- 2026-09-03
Groundfloor
- Investor eligibility
- Core Regulation A offerings are open to U.S. residents in states where the issuer has filed the required notice; Groundfloor also offers separate accredited-investor products.
- Minimum investment
- $10 for individual Loans; $100-$1,000 for principal open-to-all Note terms. The accredited-only Preferred Note currently shows a $10,000 minimum.
- Current new-investment availability
- Open — Groundfloor currently lists fixed-term real-estate Notes and individual real-estate Loans/LROs for investment, with new individual loans released on a recurring schedule.
- Primary investment structure
- Private real-estate credit platform with two distinct core structures. Groundfloor Notes are fixed-term Groundfloor-issued notes backed economically by diversified pools of short-term residential real-estate loans; individual project investments generally use Limited Recourse Obligations tied to repayment of a specified underlying loan. Neither structure makes the investor the direct mortgage lender or property owner.
- Real-estate exposure type (equity, debt or both)
- Debt — the core real-estate investments are securities backed economically by short-term residential real-estate loans rather than equity ownership of the properties.
- Individual-property selection vs. pooled/fund exposure
- Both — investors can hand-pick individual LRO securities tied to specific real-estate loans or buy fixed-term Notes backed by diversified pools of Groundfloor-originated loans.
- Property or strategy focus
- Short-term residential real-estate credit, including renovation, rehabilitation, new-construction and builder financing; Groundfloor also offers other accredited private-market products outside the core real-estate lineup.
- Investor-facing fee structure
- Current consumer guidance shows no investor fee on standard Notes or Loans. Emerging, private and accredited products can have different economics, so a blanket 'no fees' statement is too broad.
- Other material fee layers / promote / property-level costs
- Groundfloor currently advertises no investor fees for its core Notes and Loans; fees for accredited or emerging-alternative offerings are product-specific.
- Typical or stated holding-period structure
- Notes are generally designed to be held to maturity, with current terms as short as one month and a 12-month Signature Note. Individual project loans can take longer than expected if construction is delayed or a borrower defaults.
- Liquidity / redemption treatment
- No daily liquidity and no public secondary market. A short stated maturity does not guarantee cash on the stated date under stressed circumstances.
- Secondary-market availability
- No general secondary market is documented for Groundfloor’s core Notes or LROs in the official product materials reviewed September 10, 2026; investors generally receive principal as the Note matures or the underlying loan repays, and workouts can extend timing.
- IRA / SDIRA availability
- Self-directed IRA investing is supported for real-estate loans, including Traditional, Roth and SEP IRA options. New Groundfloor IRA accounts currently require a $25,000 initial transfer; existing IRA accounts have a $1,000 minimum transfer. The public IRA page’s custody-fee statement only covers fees through December 2025, so no post-2025 custody-fee claim is inferred.
- Regulatory / securities / intermediary structure
- Groundfloor Finance Inc. and affiliates offer core securities under Regulation A. Individual project investments are Limited Recourse Obligations tied to repayment of specified underlying loans, while pooled Notes are separate Groundfloor-issued debt securities backed by diversified loan pools.
- Last fact checked
- 2026-09-04
RealtyMogul
- Investor eligibility
- No
- Minimum investment
- Both RealtyMogul REITs publish $5,000 minimums, but new-investor subscriptions are currently paused. Individual private placements reference an approximate $35,000 minimum, with offering documents controlling.
- Current new-investment availability
- Mixed — both affiliated RealtyMogul REIT detail pages state that they are currently paused for new investors while their offering circulars are refreshed. RealtyMogul separately continues to present accredited individual-property and 1031 opportunities, so availability is offering-specific.
- Primary investment structure
- Private real-estate platform spanning individual commercial-property private placements, affiliated non-traded REITs, 1031 opportunities and other equity, preferred-equity, debt and fund structures. Investor ownership and rights depend on the specific offering; the platform should not be reduced to one universal REIT or one universal private-placement wrapper.
- Real-estate exposure type (equity, debt or both)
- Both equity and debt — RealtyMogul offerings can include common or joint-venture equity, preferred equity and private-credit or debt structures; individual-property marketplace opportunities focus on commercial real estate.
- Individual-property selection vs. pooled/fund exposure
- Both — RealtyMogul offers pooled non-traded REITs and accredited-only individual commercial-real-estate or private-placement opportunities, plus 1031 exchange properties.
- Property or strategy focus
- Commercial real estate across multifamily, office, retail, industrial and other property types, delivered through pooled REITs, individual private placements and 1031 exchange opportunities.
- Investor-facing fee structure
- Income REIT asset-management fee is 1.00% annualized of total equity value. Apartment Growth REIT asset-management fee is 1.25% annualized of total equity value. Neither figure is an all-in expense ratio; other operating, financing, property-level and offering expenses can apply.
- Other material fee layers / promote / property-level costs
- Offering-specific — potential platform or technology and administrative fees, acquisition or development costs, asset or property management, operating expenses, financing and disposition costs may apply depending on the investment; REITs also bear fund-level organization and operating expenses.
- Typical or stated holding-period structure
- Multi-year. Private real estate should be treated as illiquid.
- Liquidity / redemption treatment
- Share-repurchase programs for both REITs were suspended on April 21, 2026, and distribution reinvestment activity was also suspended under current filings. Private placements remain illiquid until a sponsor-controlled exit.
- Secondary-market availability
- No
- IRA / SDIRA availability
- Yes
- Regulatory / securities / intermediary structure
- RM Adviser, LLC - CRD 283877, SEC 801-108063, SEC-registered investment adviser
- Last fact checked
- 2026-09-04
Which platform fits which situation
Hand-picked real-estate debt from $10
Groundfloor’s core LRO structure lets investors choose individual short-term real-estate loans with a documented $10 minimum. That is unusually granular access for property-specific private real-estate credit, and the core Loans product is available to non-accredited investors.
Not a fit if: Not a fit if you want real-estate equity ownership, a dependable secondary market, or certainty that a troubled loan will repay on its original schedule.
Fact checked
Individual rental properties plus pooled residential funds
Arrived gives non-accredited investors two different ways to get residential exposure: select individual rental or vacation-property securities, or use pooled residential and real-estate income funds. The current minimum is $100 across Arrived offerings.
Not a fit if: Not a fit if you need public-market liquidity or want a deeded ownership interest and direct control of the underlying property.
Fact checked
Pooled real-estate fund access from $10
Fundrise’s core retail model is pooled rather than property-by-property. A taxable account can start at $10, and the Flagship Real Estate Fund combines thousands of residential units with industrial assets in a single registered interval-fund structure.
Not a fit if: Not a fit if you want to choose individual properties or assume quarterly repurchase mechanics are the same as daily exchange-traded liquidity.
Fact checked
Accredited CRE across equity and debt
EquityMultiple is built for accredited investors who want commercial-real-estate exposure across common equity, preferred equity, debt and funds. Official materials say offering minimums can start at $5,000, although they commonly run higher and vary by deal.
Not a fit if: Not a fit if you are not accredited, need a general secondary market, or want one simple all-in fee that applies to every offering.
Fact checked
1031/DST-focused marketplace
1031 Crowdfunding is the most specialized platform in this group for investors solving a 1031-exchange replacement-property problem. Its marketplace emphasizes DSTs and currently advertises 70+ ready-to-invest properties, alongside bridge funds, REITs, Opportunity Funds and 721/UPREIT structures.
Not a fit if: Not a fit if you need daily liquidity, want a simple low-dollar retail account, or are not prepared to evaluate offering-specific sponsor, fee and tax considerations.
Fact checked
Platform notes
Fundrise
Fundrise is the clearest pooled-fund model in this group. Core retail investors are buying interests in Fundrise-managed funds, not selecting a specific apartment building or rental home. That simplifies diversification: the Flagship Real Estate Fund currently combines build-for-rent housing, multifamily and industrial assets, while the Income Real Estate Fund emphasizes real-estate-backed credit. Taxable accounts can start at $10. The real-estate fee stack matters more than that low entry point: Fundrise’s real-estate funds carry a 0.15% annual advisory fee plus a 0.85% annual management fee, with other fund-level expenses possible under the governing documents. Liquidity is also fund-specific. The core interval funds use periodic repurchase mechanisms rather than exchange trading, and private Fundrise vehicles can have much tighter liquidity. Fundrise therefore fits the reader who prefers a managed pool over choosing properties one by one. It fits less well for someone who wants direct deal control or assumes a quarterly repurchase feature means money can be withdrawn whenever desired.
Fact checked
Arrived
Arrived combines individual residential-property selection with pooled products. Investors can choose securities tied to particular rental or vacation properties, or use residential and income funds when they prefer a broader pool. The current minimum is $100 across Arrived offerings, and accreditation is not required for its main individual-property and fund products. The legal structure is important: an investor is buying a security interest in the applicable series or fund, not a deeded slice of a house. Arrived also has more than one liquidity model. Eligible individual-property shares can enter monthly trading windows after the applicable holding period, but a trade requires a matching buyer. Funds use separate redemption programs. Neither should be read as guaranteed liquidity. Costs can include a product-level AUM fee plus sourcing, closing, property-management, maintenance, tax and other property expenses. Arrived is most useful for readers who want residential real-estate exposure with the choice between individual properties and pooled products without becoming a landlord.
Fact checked
Groundfloor
Groundfloor’s core real-estate product is debt, not property equity. Investors can hand-pick Limited Recourse Obligations tied to individual short-term residential real-estate loans or use pooled fixed-term Notes. The distinction matters because repayment depends on the borrower and underlying project rather than rental-property appreciation. Groundfloor currently documents a $10 minimum for individual Loans/LROs, while Notes use higher minimums. Core Regulation A products are available to non-accredited investors, with separate accredited offerings also on the platform. Groundfloor advertises no investor fee for its core Loans and Notes, but that does not turn the investment into a cash equivalent. There is no general secondary market documented for the core products, and a loan workout can extend the expected repayment timeline. For readers comparing private real estate, Groundfloor is a useful counterexample to platforms built around rental-home or commercial-property equity: the investor is primarily underwriting short-duration real-estate credit and borrower execution.
Fact checked
Ark7
Ark7 is built around property-specific residential equity. Investors choose shares tied to individual rental-property series, with current open offerings starting as low as $20 per share. Its Regulation A structure allows both accredited and non-accredited investors to participate, subject to offering and jurisdictional limits. That low entry point makes diversification across several properties easier, but it should not be confused with public-stock liquidity or direct ownership of the deed. Ark7 states that it does not charge an annual AUM fee; property economics can include a sourcing fee and ongoing property-management charges. Eligible shares can trade through the PPEX ATS after the applicable holding period, but secondary-market access depends on buyers and is not guaranteed. Ark7 is therefore structurally different from Fundrise’s pooled-fund model and Groundfloor’s loan model: it gives investors more control over which rental properties they select, while leaving property operations to the manager.
Fact checked
EquityMultiple
EquityMultiple targets accredited investors seeking commercial-real-estate exposure across more than one part of the capital stack. Its marketplace can include common equity, preferred equity, senior or mezzanine debt, short-term notes and pooled funds. Minimums are offering-specific: official materials say they can start at $5,000 and commonly fall in the $10,000–$30,000 range. That breadth is useful, but it makes fee comparisons less tidy. Direct deals, notes and funds can use different monitoring, servicing, origination, administrative and performance-participation structures, so the offering documents matter more than any single platform-wide fee number. Liquidity is private-market liquidity. EquityMultiple does not provide a general secondary market, and investors should normally expect to hold a position until maturity, sale or another liquidity event. This is a stronger fit for an accredited investor who wants to choose among CRE equity and credit structures than for a reader looking for a simple retail real-estate account.
Fact checked
RealtyMogul
RealtyMogul needs a current-status qualifier in 2026. The platform still spans commercial-real-estate private placements, 1031 opportunities and two affiliated non-traded REITs, but both REIT detail pages currently state that they are paused for new investors while their offering circulars are refreshed. That means the old shorthand of “$5,000 REIT access plus private deals” is not a reliable description of what a new investor can buy today. The active private-placement side can include common equity, preferred equity and private-credit structures across multifamily, industrial, office, retail and other commercial property types. Fees and minimums are offering-specific, and underlying property, financing, management and disposition costs can materially affect economics. RealtyMogul remains relevant for accredited investors evaluating individual CRE or 1031 opportunities, but the page should keep product availability separate from historical product breadth. A paused repurchase or subscription program is a material structural fact, not a footnote.
Fact checked
Crowd Street
Crowd Street is no longer accurately summarized as only a commercial-real-estate crowdfunding marketplace. The platform now offers accredited investors private equity, private credit, venture capital and other private-market funds alongside real-estate funds and direct CRE deals. For this roundup, the relevant distinction is that investors can still choose individual commercial-real-estate projects or use professionally managed real-estate funds, while the broader platform extends beyond real estate. Crowd Street’s model is self-directed: investors choose among offerings rather than receiving individualized portfolio management. Minimums, fees, subscription timing and liquidity depend on the specific security or vehicle. Private placements are generally illiquid, and the platform does not provide a dependable general secondary market. Crowd Street is therefore most relevant here for accredited investors who value access to institutional-style CRE deals and funds and are comfortable doing offering-level diligence rather than relying on one standardized retail product.
Fact checked
1031 Crowdfunding
1031 Crowdfunding is the most tax-transaction-specific platform in this group. Its marketplace is built heavily around Delaware Statutory Trusts used as replacement property in Section 1031 exchanges, and it currently advertises more than 70 ready-to-invest properties. The platform also lists bridge-financing funds, REITs, Opportunity Funds, senior-housing investments and 721/UPREIT structures, so one universal minimum or fee would be misleading. DST investors buy beneficial interests in a trust that owns real estate; they do not receive a direct deed to the property. Selected DST minimums can run from roughly $25,000 to $100,000, and the holding period is commonly multi-year. There is no guaranteed secondary market. Fees are sponsor- and offering-specific and can include acquisition, organizational, asset-management, financing, operating and disposition costs. The platform is best understood as a specialized marketplace for accredited investors with a 1031 or related tax-driven real-estate need, not as a low-dollar general-purpose crowdfunding app.
Fact checked
How real estate crowdfunding fees actually work
The headline platform fee is often only one layer. Depending on the structure, an investor may also bear fund-management fees, sourcing or acquisition costs, loan servicing, property management, financing expenses, legal and administrative costs, disposition fees, and a sponsor promote or other performance participation.
That makes two platforms with similar-looking annual fees potentially very different economically. A property-specific security can push substantial costs into the property entity. A private fund can charge management fees at the fund level. A debt platform may charge the borrower rather than showing an investor platform fee. The useful question is not simply “What is the fee?” but “Which entity pays each fee, when is it charged, and what does it reduce?”
Illustrative example — made-up numbers, not a platform quote
Assume a hypothetical $10,000 private real-estate investment charges a 2% one-time sourcing fee and a 1% annual management fee. The sourcing fee would equal $200 at entry. The management fee would equal $100 for a full year on a constant $10,000 fee base. Property operating expenses, financing costs and any performance-based promote would be separate if the offering documents impose them. The example shows why a single headline percentage is not an all-in cost.
Who this page is not for
- Investors who need daily or guaranteed access to their principal. Private real-estate securities can have multi-year holds, limited redemption programs, buyer-dependent trading windows or no early exit at all.
- Investors who want direct deeded ownership and operating control of a property. Several platforms here sell fund shares, series interests, notes, LROs, private-placement interests or DST beneficial interests instead.
- Investors choosing primarily from advertised target returns or historical performance. This comparison does not score projected returns, and past results do not resolve sponsor, borrower, leverage, valuation or liquidity risk.
- Investors unwilling to read offering-level documents. Platform-level summaries cannot replace the PPM, prospectus, offering circular or deal documents that govern fees, rights, conflicts, leverage and exit terms.
Methodology
How ROIStreet verifies real-estate platform information
ROIStreet uses current platform documentation, offering pages, fee disclosures, help-center materials and primary regulatory records where they are relevant to legal or intermediary status. Quantitative claims are stored with source metadata and a fact-check date.
Platform facts are treated as point-in-time information. A fund can close, a repurchase program can be suspended, a minimum can change and an offering can move from open to fully subscribed. Those changes are not converted into permanent yes/no claims.
The comparison does not score historical or projected returns. It focuses on features an investor can verify before deciding whether to read the underlying offering documents.
Frequently asked questions
What is real estate crowdfunding?
Real estate crowdfunding is a broad label for online access to real-estate securities and investment vehicles. Depending on the platform, an investor may buy fund shares, interests in a property-specific entity, private-placement securities, real-estate debt, DST beneficial interests or another structure. The label does not mean the investor owns a deeded percentage of a property.
Do you have to be an accredited investor?
Not always. Fundrise, Arrived, Groundfloor and Ark7 have products available to qualifying non-accredited investors, while EquityMultiple and Crowd Street focus on accredited investors and other platforms vary by offering. Eligibility should be checked at the product level because a platform can offer both retail and accredited-only investments.
How much money do you need to invest?
Minimums range from very small amounts to tens of thousands of dollars. Groundfloor documents individual real-estate Loans starting at $10, Fundrise taxable accounts can start at $10, Ark7 property shares can start around $20, Arrived uses a $100 minimum, and accredited private placements can require $5,000, $25,000 or substantially more. A lower minimum changes access, not the underlying investment risk.
Can you sell a real estate crowdfunding investment whenever you want?
Usually not. Some platforms offer repurchase programs, monthly trading windows or an alternative trading system, but those mechanisms can have holding periods, limits, gates, suspensions or a need for a matching buyer. Other private investments have no general secondary market and are normally held until maturity or a property or fund liquidity event.
Are real estate crowdfunding investments protected by SIPC or FDIC insurance?
Not against investment losses. A broker-dealer, custodian or bank relationship can determine how particular securities or uninvested cash are held, but SIPC and FDIC protections do not insure a private real-estate investment against property-value declines, borrower default, sponsor failure, leverage losses or illiquidity.
Does a low minimum make a platform less risky?
No. A $10, $20 or $100 entry point limits the dollars required to participate; it does not remove property, borrower, sponsor, leverage, valuation, concentration or liquidity risk. Low minimums can make diversification easier, but the underlying security still needs to be evaluated on its own terms.
Is this a recommendation to use one of these platforms?
No. ROIStreet compares published structure, access, fees, liquidity and other decision-relevant characteristics for educational purposes. The page does not determine whether a private real-estate investment is appropriate for a particular reader and does not rank expected investment returns.
Does ROIStreet get paid if I invest through a platform?
ROIStreet may receive compensation from some affiliate relationships. Affiliate relationships do not determine which factual differences are included or the editorial conclusions. See the affiliate disclosure for details.
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Initial publication package prepared after the eight-platform canonical dataset reached 112/112 factual cells with zero display blockers.
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