Fundrise vs Groundfloor vs Arrived: Three $10 to $100 Real Estate Doors

Verdict: Start with Fundrise if you want a $10 managed pool and you accept quarterly gates. Groundfloor is short-term fix-and-flip debt with going-concern language on the operator. Arrived is single-home rental equity or a short-track-record real estate loan fund. Do not pick among them as if they were three flavors of the same account.

Of 21 published alternative-investing products on Financeradar, 9 do not require accreditation. Groundfloor and Arrived are in that nine, both at a $100 minimum. Fundrise starts at $10 and is tagged partial: core funds are open, some sleeves are not.

Calling all three "real estate crowdfunding" is how directories lie. One is a pooled eREIT-style manager. One is loan-level debt. One sells shares of a house, plus a separate credit fund. Liquidity, fees, and what breaks first are different. We do not publish target returns. Platforms advertise them. They are not ours.

This is not financial advice. Principal is at risk. There is no FDIC wrapper on these investments. If you need the money on a date you choose, use a high-yield savings account instead.

Side by side

Figures are from our product rows (data as of July 23, 2026) unless noted. We do not treat platform-reported yields as a forecast.

CrowdStreet is not in this table on purpose. It is $25,000-plus and accredited, and it is the platform that hosted the Nightingale fraud. The real-estate crowdfunding guide keeps it on the map so the accreditation line stays visible. The failures page is where that story lives.

Fundrise is a manager, not a house

You send $10. Fundrise allocates across funds it runs. Core real estate all-in is about 1.00% (0.15% advisory plus a 0.85% management fee). The Innovation Fund's management fee is 1.85%. Income and flagship-style accounts are the mass-market door. You do not pick a duplex in Phoenix. You pick a sleeve.

Liquidity is on Fundrise's calendar. Core funds use quarterly redemption windows. Those windows can carry penalties or close. Redemptions queued in 2022-23. That is the stress test that matters: the gate shows up when people want out.

The credit side is a different product on the same login. Opportunistic Credit Fund II is $50,000, accredited-only, 1.75% management plus a 20% incentive over a 10% preferred return, and no redemption provision. If someone told you "Fundrise is $10 and anyone can get the good credit fund," they collapsed two shelves. Partial accreditation means exactly that.

We store platform-reported Income-account and distribution figures on the product page. We will not repeat them here as if they were a promised APY. Self-marked eREIT NAVs mean the price you see is the manager's mark. Growth-oriented funds were flat to negative in 2022-2024. A clean regulatory record since 2012 is real. It is not a return.

Start here if you want the cheapest diversified entry and you can stand not being able to wire the money back next Tuesday.

Groundfloor is a loan, and a company

Minimum $100 to get on the platform, then as little as $10 per Limited Recourse Obligation. You are in a specific short-term loan, usually a fix-and-flip, for something like 6 to 18 months. No early exit. Defaults are ordinary. Workouts take months to years. Groundfloor's own July 2025 asset management update puts its lifetime loss rate at 0.94%, but the trailing twelve-month average at 2.12%, and July alone at 2.99%. The lifetime figure is the one in the marketing. The recent one is the one to underwrite. A loss rate is also not a default rate: a defaulted loan can sit in workout for months before any loss is booked.

Investors do not pay a fee on LROs, Notes, or the Flywheel portfolio. Borrowers pay origination and servicing. That is cleaner than a 1% AUM wrap, until a loan goes bad and you discover you also have exposure to Groundfloor the company.

Auditors expressed going-concern doubt in the FY2024 and FY2025 audited financials. FY2024 net loss: $14.3 million, narrowing to $10.4 million in FY2025. LRO investors are counterparties to Groundfloor corporate, not just to a borrower in Atlanta. There is no fraud history we store. There is also no FDIC. A decade of loan-level data is the honest reason people still look. Two years of going-concern language is the honest reason we will not call it a savings substitute.

Use Groundfloor only if you want debt, not equity, you can stand a zero on a single loan, and you have read the latest audit. Check the FY2026 filing when it exists. Our row is dated July 23, 2026.

Arrived is a house, or a loan fund

$100 buys a slice of a single-family rental, or a slice of the Real Estate Income Fund (called the Private Credit Fund in Arrived's earlier reports), which makes short-term loans for renovations, rehabs, and new home construction. No accreditation. Backed by Jeff Bezos's personal investment company. Founded 2019.

The rental side is fee-heavy. One-time sourcing around 3.5% to 5% of purchase price. Quarterly AUM fees on property value. Property management 8% to 25% of rents. Arrived's own Q1 2026 performance report shows individual single-family homes paying an average annualized dividend of 3.6% (range 1.3% to 9.9%), and vacation rentals averaging 1.53%, plus hoped-for appreciation. That is not a HYSA. Homes are 5 to 7 year holds with very little early liquidity. You are in a specific address with other retail owners.

The Real Estate Income Fund is the quieter product. Arrived reports a 12-month trailing dividend yield of 8.35% as of August 2026. That is a trailing figure, not a target: Arrived's stated target for newly made loans is 2% to 3% above short-term Treasury yields, so the payout moves with rates. The fund page showed about $92.5 million in net assets in September 2026. Fees: 0.10% per month asset management plus 0.10% per month offering services (about 2.4% a year) plus a 1.75% organizational fee, no promote. Quarterly redemption windows. The record is short. It has not been through a housing-credit downturn. We will not turn a few clean quarters into a personality.

Pick Arrived if you specifically want a rental share you can point at, or you want the Real Estate Income Fund and you accept a short history. Do not pick it because the homepage looks like a savings app.

How to not fool yourself

If the money has a date, it does not belong here. Marcus at 3.40% and Ally at 3.00% are boring on purpose. See Marcus vs Ally.

If you want one managed pool and $10, Fundrise is the default door. If you want loan-level debt and you have read the going-concern language, Groundfloor. If you want a house share or the loan fund, Arrived. If you want accredited CRE funds, you are not in this post.

We do not publish target returns in this article. If a platform's homepage leads with a percentage, read it as marketing until you have the offering circular. The alternative investing without accreditation guide is the wider shelf.

FAQ

Which should I pick, Fundrise, Groundfloor, or Arrived?
Start with Fundrise if you want a $10 managed pool and you accept quarterly gates. Groundfloor is short-term fix-and-flip debt with going-concern language on the operator. Arrived is single-home rental equity or a short-track-record real estate loan fund (the Real Estate Income Fund). Do not pick among them as if they were three flavors of the same account.

Do I need to be an accredited investor?
Not for Groundfloor, not for Arrived, and not for Fundrise's core funds. Fundrise's Opportunistic Credit Fund II is accredited and starts at $50,000.

Are these FDIC insured?
No. These are investments. A high-yield savings account at a Member FDIC bank is a different product.

Why don't you list the advertised returns in the table?
Because we do not publish target returns as if they were ours. Platform-reported figures live on the product pages with a date stamp. They are not a promise.

Is this financial advice?
No. Principal at risk. Illiquid. Read the offering documents.