Arrived Homes has established itself as one of the more recognized names in fractional real estate investing, with a reported 955,000+ registered investors and approximately $380 million invested across 533+ properties based on recent third-party reviews. For investors looking to build a real estate portfolio through fractional ownership, it's important to identify a platform that aligns with your return expectations, risk tolerance, and investment timeline. This guide examines seven alternatives that serve different investor needs in 2026. It starts with mogul, a fractional real estate platform founded by former Goldman Sachs executives that delivers institutional-grade property selection and monthly income distributions.
Disclaimer: The information provided in this guide is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult with a licensed professional before making any financial or investment decisions.
Key Takeaways
- Institutional-grade vetting leads to higher return potential: Platforms with rigorous property selection processes, like mogul's \<1% approval rate, can deliver stronger performance compared to platforms with broader acceptance criteria
- Monthly distributions improve cash flow management: Platforms offering monthly income payments provide 12 opportunities per year to reinvest versus quarterly platforms that offer only 4
- Loss protection reduces new investor risk: mogul is the only platform offering up to $10,000 in loss coverage on investments made within a member's first 7 days
- Team co-investment aligns interests: mogul states that it and its team invest personally in every property offered, helping align platform incentives with investor outcomes
- Blockchain integration provides ownership transparency: Platforms using blockchain technology create immutable ownership records independent of platform operations
1. mogul
mogul delivers a fractional real estate investment platform founded by Goldman Sachs alumni with $10B+ in collective real estate investing experience. The platform offers direct ownership in income-generating residential properties through LLC structures, providing investors with monthly rental income, yearly tax benefits, and proceeds from eventual property sales.
How Does mogul Work?
mogul's investment model provides direct fractional ownership in individual properties rather than pooled funds. Key highlights:
- Property Selection – Less than 1% of reviewed properties pass mogul's institutional-grade underwriting process
- Monthly Income – Once a property is operational, investors receive their share of net rental income monthly, paid to the mogul wallet on the second Tuesday of the following month
- Tax Benefits – Depreciation may offset or exceed rental income shown on a property K-1; investors should consult a tax professional
- Blockchain Transparency – Ownership records stored on the Avalanche network provide immutable proof of ownership
Performance Metrics
mogul reports 18.8% average annual returns (IRR), compared to Arrived's 6-10% range. The platform targets levered yields of approximately 11%-14% and levered returns of 15%-20% across its rental strategies, with returns varying by property, market conditions, and hold period. mogul targets a typical 5-7 year hold period; investors should review specific property documents for the applicable hold period.
Unique Loss Protection
mogul covers up to $10,000 in losses for investments made within a new member's first 7 days. If those investments show a loss after one year, mogul pays back the difference from its own balance sheet capital, a feature no other platform in this comparison offers.
Referral Rewards
mogul members can refer friends and receive $50 when the referred friend invests, making it easy to grow your network while being rewarded for sharing the platform.
Team Co-Investment
mogul states that it and its team personally invest in every property offered alongside platform investors. This co-investment helps align mogul's incentives with investors. mogul transparently discloses all platform and setup fees, as well as a 2.5% rental income fee.
Best For: Investors seeking higher return potential with institutional-grade property vetting, monthly income distributions, and unique downside protection.
2. Ark7
Ark7 offers fractional real estate investing with one of the lowest entry points for individual property selection. The platform provides a $20 minimum investment and charges 0% annual AUM fees on invested capital, though investors should account for sourcing fees and property-management fees deducted at the property level.
Key Features
- Individual property selection at $20 minimum
- Monthly dividend distributions
- SEC-registered secondary market (PPEX ATS) with $0 trading fees after 12 months
- 0% annual AUM fees on invested capital, with sourcing and property-management fees applicable at the property level
Distribution Yields
Ark7 reported a 4.36% dividend yield in 2024, lower than mogul's target levered yields of approximately 11%-14% across its rental strategies, and delivered monthly rather than quarterly.
Best For: Cost-conscious investors who want individual property control at the lowest possible entry point and minimal ongoing AUM fees.
3. Fundrise
Fundrise operates as one of the longest-running real estate investment platforms, founded in 2012. The platform offers pooled fund products rather than individual property selection, including real estate funds and other private-market strategies, with a $10 minimum investment.
Core Capabilities
- Automated portfolio management across diversified real estate holdings
- Product-specific quarterly redemption or share-repurchase windows, subject to limits and availability
- Mobile apps for iOS and Android
- ~1% annual fee structure (0.15% advisory + 0.85% management)
Performance History
Fundrise reported 5.75% average returns for advisory-client accounts in 2024, though performance varies significantly by year, 2023 saw -7.45% returns. The platform's 13+ year track record provides the longest operational history among alternatives.
Best For: Hands-off investors who prefer automated diversification across pooled funds without selecting individual properties.
4. Lofty.ai
Lofty.ai provides blockchain-tokenized real estate with daily trading functionality, though actual liquidity is not guaranteed and depends on market demand and available pool liquidity. The platform distributes daily income in USDC stablecoin and uses the Algorand blockchain for ownership records.
Key Features
- Daily trading via blockchain marketplace, with liquidity subject to market demand and order matching
- Daily income distributions in cryptocurrency
- No formal lockup period; investors may list tokens for sale at any time, though execution depends on available buyers and market liquidity
- $50 minimum investment
Trading Considerations
Lofty's trading model comes with costs: a 3% marketplace fee on buy/sell orders, plus 2.9% domestic or 3.9% international credit/debit card processing fees on card-funded purchases can affect overall returns. Lofty is best suited to investors comfortable with blockchain, USDC, and tokenized ownership mechanics, although some purchases can be funded through conventional payment rails such as ACH.
Best For: Crypto-native investors who want daily trading access to real estate and are comfortable with blockchain-based transactions and variable liquidity conditions.
5. Groundfloor
Groundfloor takes a different approach through real estate debt investing rather than equity ownership. Investors fund short-term loans to real estate developers and receive returns as loans are repaid.
Core Value Proposition
- Shorter-duration real estate debt exposure, though loan and product terms vary by structure
- Groundfloor reports individual loan rates and product-level targets that vary by product; its Flywheel Portfolio targets 8%-10% net of fees and expected losses, while loans in that portfolio carry stated rates from 9%-15%
- Minimums vary by product; certain managed products start at $100, while other Groundfloor offerings have different minimums
- Auto Investor feature for automated diversification across loans
- $2.2 billion+ invested since 2013
Investment Structure
Unlike equity platforms where investors own property shares, Groundfloor investors are lenders. Returns come from interest payments rather than rental income and appreciation. This means no property ownership benefits but faster capital turnover.
Best For: Investors seeking shorter investment timelines and debt-based returns without long-term property ownership commitments.
6. DiversyFund
DiversyFund has historically focused on multifamily apartment buildings, previously offering retail investors access through its Growth REIT structure with a $500 minimum investment and a 7% preferred return before sponsor profit sharing. Current offering availability, investor eligibility, and product terms should be verified directly from current DiversyFund offering documents.
Key Features
- Institutional-grade multifamily properties
- Preferred return structure in legacy products
- Value-add strategy targeting property improvements
- Current product availability, eligibility, and distribution terms should be confirmed directly with DiversyFund
Liquidity and Risk Considerations
Legacy DiversyFund Growth REIT investors generally faced illiquid, long-term holds with limited or no interim distributions, with returns coming primarily at property sale. DiversyFund's legacy REITs have faced material delays and regulatory scrutiny: DF Growth REIT II's dissolution date was extended to December 31, 2026, and SEC records show a 2023 order suspending its Regulation A exemption unless vacated. Current structured-income opportunities should be evaluated under their own distribution and liquidity terms. Prospective investors should review current offering documents carefully before committing capital.
Best For: Investors specifically seeking institutional multifamily real estate exposure who carefully review current offering documents, product terms, eligibility requirements, and risk disclosures before investing.
7. Realbricks
Realbricks differentiates itself through a debt-free property model, all properties are purchased with 100% cash, eliminating property-level mortgage payments and reducing financing and refinancing risk, though real estate values and exit pricing can still be affected by broader interest rate conditions.
Key Features
- Debt-free property acquisitions eliminate property-level mortgage payments and reduce financing risk
- Quarterly dividend distributions
- iOS and Android app support (Arrived is iOS only)
- Secondary market in development: Realbricks is developing a secondary market expected in 2026; liquidity is not guaranteed and depends on market demand and platform readiness
Trade-Offs
Without mortgage leverage, Realbricks properties don't benefit from amplified returns during appreciation. The debt-free model prioritizes stability over maximum return potential.
Best For: Conservative investors who want to eliminate property-level debt and reduce financing risks from their rental property investment, while accepting that real estate values and exit pricing remain sensitive to broader interest rate conditions.
Why mogul Stands Out for Fractional Real Estate Investing
Institutional-Grade Property Selection
mogul was founded by former Goldman Sachs real estate executives with $10B+ in collective real estate investing experience. This institutional pedigree informs a rigorous underwriting process where less than 1% of reviewed properties pass due diligence. Every property must meet a 12%+ IRR hurdle before being offered to investors.
Higher Return Potential
While Arrived reports 6-10% returns and Fundrise reported 5.75% average returns for advisory-client accounts in 2024, mogul reports 18.8% average annual IRR. mogul attributes its return targets to selective underwriting, property-level analysis, and operating strategies including short-term rental, mid-term rental, and long-term rental approaches.
Monthly Cash Flow
mogul delivers monthly distributions rather than quarterly payments. For investors focused on building real estate portfolio wealth through reinvestment, monthly distributions can create more frequent reinvestment opportunities than quarterly distributions, once income-producing properties are operational.
Unique Risk Mitigation
No other platform in this comparison offers loss protection. mogul's $10,000 coverage on first-week investments provides a safety net for new members learning the platform, demonstrating confidence in property selection quality.
Aligned Incentives Through Co-Investment
mogul states that it and its team invest personally in every property offered alongside platform investors. This co-investment approach helps align mogul's incentives with investors. mogul transparently discloses all platform, setup, and rental-income fees.
Blockchain-Backed Transparency
mogul uses Avalanche blockchain to create immutable ownership records independent of platform operations. Combined with monthly third-party property valuations, this provides transparency that traditional platforms cannot offer.
For investors evaluating alternatives to Arrived, mogul's combination of institutional vetting, higher return potential, monthly income, and unique loss protection makes it a compelling choice. Browse available properties to see current investment opportunities, or use the rental property calculator to analyze potential returns on any U.S. address.
Disclaimer: The information provided in this guide is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult with a licensed professional before making any financial or investment decisions.
Frequently Asked Questions
What is fractional real estate investing, and how does it differ from owning a REIT?
Fractional real estate investing provides direct ownership shares in individual properties through LLC structures, while REITs are pooled funds that own portfolios of properties. With fractional ownership through platforms like mogul, investors select specific properties, receive proportional rental income, and benefit from that property's appreciation. REITs offer diversification but remove individual property selection and direct ownership benefits.
How do platforms like mogul ensure the quality of their investment properties?
mogul employs former Goldman Sachs real estate professionals with $10B+ in collective real estate investing experience to evaluate opportunities. Less than 1% of reviewed properties pass the platform's institutional-grade underwriting process, and every property must meet a 12%+ IRR hurdle. Additionally, mogul states that it and its team invest personally in every property offered, helping align their financial interests with investors.
What kind of liquidity options are available for fractional real estate investments?
Liquidity varies significantly across platforms. Lofty.ai offers daily blockchain trading with liquidity subject to market demand, while Arrived provides monthly trading windows. Fundrise offers product-specific quarterly redemption or share-repurchase windows, subject to limits and availability, and DiversyFund's legacy REIT products have no interim liquidity. mogul is launching a secondary market with monthly fair market value calculations based on third-party appraisal-level data.
Can international investors participate in these fractional real estate platforms?
Yes, several platforms accept international investors. mogul states that non-U.S. residents may invest, except residents of countries under U.S. embargo, and asks non-U.S. residents to contact support for onboarding guidance. Specific eligibility requirements vary by platform and investor country of residence.
Are there hidden fees associated with these investment platforms?
Fee structures vary considerably. Arrived fees vary by product and may include sourcing fees, property-management fees, AUM fees, fund fees, and disposition-related fees; investors should review current offering documents for complete fee disclosure. Ark7 charges 0% annual AUM fees on invested capital, though sourcing and property-management fees apply at the property level. Fundrise charges approximately 1% annually. mogul charges 2.5% on rental income rather than a traditional AUM fee, plus a one-time 3% platform fee and, if applicable, a one-time 2% setup fee, capitalized into the deal. Always review each platform's fee disclosure before investing.