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Start Investing In Real Estate With $10 Today
Fundrise invests your money in private real estate deals via investment portfolios. Now anyone can get in on private real estate, not just the wealthy.
Written by Sam Pennington on August 8, 2023
FTC Disclosure: Some of the links on this site are affiliate links. Read our full disclaimer here.

3 Real Estate Investing Platforms For Non-Accredited Investors In 2023

Note: Investing Simple is affiliated with Fundrise, and we may earn commissions if you click on a Fundrise link.

It's no secret that real estate has been used as a tool for wealth generation for decades.

We all seem to have at least one friend or family member who got rich by investing in real estate. Thanks to changes in legislation, it is now easier than ever to invest in private real estate deals. This is in part due to the emergence of crowdfunded real estate investing.

In the past, private real estate investing was reserved for the elite.

These were the individuals who were lucky enough to find out about new deals first and had the capital to do something about them. The barriers to investing in real estate were high, making it an investment reserved for the elite.

The internet, and in particular crowdfunding, changed all of that.

Best Real Estate Platforms

PlatformMinimumLink
AcreTrader farmland investing platformVaries, Invest In US FarmlandView Investments
Fundrise real estate investing platform$10 Minimum Real Estate PortfoliosView Investments
Realty Mogul real estate crowdfunding site$5,000 Minimum Private Commercial REITsView Investments
EquityMultiple Logo new$5,000 Minimum Short Term NotesView Investments

Summary

#1 Pick For Beginners: Fundrise

Fundrise real estate investing platform

The minimum to begin investing is just $10 with the Starter Portfolio.

More importantly, you do not need to be an accredited investor.

Fundrise has portfolios for growth and income investors, among others.

#1 Pick For Income Investors: RealtyMogul

Realty Mogul real estate crowdfunding site

Income investors are looking for consistent dividends or distributions from their investments.

RealtyMogul delivers that through their Realty Mogul Income REIT which pays monthly distributions. These can be reinvested back into the REIT or deposited directly to a bank account.

This REIT is available to all investors. The $5,000 minimum is higher than other alternatives.

Accredited vs Non-Accredited Investor

One of the problems investors often run into when researching different sites is that many of them are reserved for accredited investors only. For those who are not familiar with the term, an accredited investor is someone who is allowed to be involved with investments that may not be registered with financial authorities.

Because regulatory agencies like the SEC and FINRA require a specific and intense verification process for investment firms who market to non-accredited investors, firms will often only allow accredited investors to participate.

Regulatory agencies expect that accredited investors who are considering these unregulated investments will do their own due diligence on the opportunity. They also understand that these investors meet high net worth or income requirements, giving them a greater risk tolerance.

That being said, we are going to share with you a list of crowdfunded real estate sites that do not require you to be an accredited investor. If you meet the minimum investment threshold and this investment platform is available in your state, you are free to invest as a non-accredited investor!

1. Fundrise

Fundrise is our #1 pick for crowdfunded real estate platforms to invest in

Fundrise was founded in 2010, giving it a long operating history.

Fundrise is an online real estate company that allows regular investors to participate in private commercial and residential properties through a pooled investment platform.

  • They offer products known as "eREITs," which are real estate investment trusts investing in income-producing real estate or holding mortgages.
  • Additionally, they have "eFunds," which use pooled money to buy land, develop housing, and then sell it.
  • Fundrise also offers a "Flagship Fund" with higher liquidity and diversification.
  • Recently, they launched the "Innovation Fund," focused on shares of privately held tech companies.

Click here to view Fundrise investments!

Investors can buy shares of Fundrise's funds by selecting one of their strategies: Fixed Income, Core Plus, Value Add, or Opportunistic.

Each one of these strategies has different goals and potential risks, and this provides a wide array of options for their diverse clientele base.

The company determines the mix of eREITs and eFunds in each plan, along with the underlying properties. There are Advanced and Premium account levels that offer access to more real estate projects and additional features.

Fundrise opens up real estate investment opportunities to those who are not traditionally considered wealthy investors.

2. RealtyMogul

RealtyMogul is our top pick for income investors looking to invest in real estate

RealtyMogul formally launched in 2013.

RealtyMogul is an online platform that enables both non-accredited and accredited investors to invest in commercial real estate.

They offer two main investment options: public, nontraded REITs and private placements.

  • The RealtyMogul Income REIT is a public REIT that invests in various types of commercial real estate assets, paying monthly dividends.
  • On the other hand, the RealtyMogul Apartment Growth REIT is also public but focuses on multifamily apartments, aiming for both dividends and potential capital appreciation.

Click here to view RealtyMogul investments!

Private placements, available to accredited investors, include opportunity zone eligible investments and typically involve single property or small portfolio deals with varying investment minimums and a two to 10-year time horizon.

RealtyMogul boasts a significant track record, having financed over 27,000 apartment units valued at more than $5.7 billion and amassed a membership base of over 250,000 registered members.

3. Arrived Homes

Arrived Homes offers investors an opportunity to participate in real estate without the headache.

Like the other platforms in this list, Arrived Homes strives to open the door of real estate to everyone, but their offering is unique in a few ways.

This segment is sponsored by Arrived Homes.

Arrived specializes in single family real estate all across the country. The company carefully vets real estate markets to determine which ones have the most income producing potential.

They then find the neighborhoods in those markets with the most potential and purchase properties that meet their criteria.

Each property is then placed in a Series LLC where investors can purchase shares of the property. Arrived qualifies as a REIT, or real estate investment trust, and is taxed accordingly.

  • Once a property is purchased and listed on Arrived Homes’ website, investors can browse the options and purchase shares of the property.
  • If an investor were to purchase 10% of the shares, then they would own 10% of the property and earn 10% of rental profits and property appreciation.

Another aspect that makes Arrived so unique is that each tenant is a co-owner of the property, meaning that interests in the property are aligned.

What are the Returns, Fees, and Minimum Investment?

Investing with Arrived is a simple process.

You will simply browse the properties available, reserve the number of shares you would like, and fund your account by linking a bank account.

With this investment comes a few key points to understand:

  • Low Minimum Investment of $100
  • Average holding period of 5-7 years (Option to sell your shares early after 6 months, though there is no guarantee that Arrived will be able to fill your request to sell early)
  • Quarterly dividend distributions (in Q2 of 2021, dividends ranged from 0.13 to 0.16 cents per share or about 5.21% to 6.42% per year.)
  • Appreciation after the sale of the property

Article written by Sam Pennington
Sam is a personal finance writer. While in college, he dedicated his spare time to learning about personal finance, investing, and real estate. Sam currently works as a business analyst for one of the top food manufacturers in the world.

Read more

Power Your Investing

Choosing the right product and service is essential for your investing. Here are some of the tools and services to help your portfolio grow.
Robinhood
Robinhood provides an easy-to-use free trading platform for beginner investors. Robinhood has $0 account minimums. Get a free stock when you open an account below.
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M1 Finance
M1 Finance offers a free investing platform where users can build portfolios of stocks and ETFs. Users can also choose from a variety of pre-built portfolios offered for free.
Try M1 Finance
Fundrise
Passively invest in private real estate deals with as little as $10. Fundrise allows you to own residential and commercial real estate across the U.S. starting at a 1% annual fee.
Try Fundrise
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