EquityMultiple
Rated on published terms$5,000 accredited CRE platform; fee-free short-term Alpine Notes are the flagship
Rates verified October 18, 2026View platformThe Bottom Line
- Minimum investment
- $5,000 (verified Oct 18, 2026). All rates and fees
Key facts
- Reported return: 7.35-9.00%
- Accreditation: Required
- Liquidity: Alpine Notes mature in 3-9 months
Pros
- Alpine Notes are one of the cleanest short-term yield products in the niche, with no missed or late interest payments to date (platform-reported)
- Genuine diversification across debt, preferred, and equity
- Over $1.5B cumulative investment volume (platform-reported)
Cons
- Alpine Notes are obligations of EquityMultiple itself, not FDIC-insured or guaranteed
- Equity side carries full CRE cycle risk with 3-7 year lockups
- Accredited investors only
At a glance
Rates verified October 18, 2026- Minimum investment
- $5,000
- Accreditation
- Required
- Fees
- No fee on Alpine Notes; ~1% on debt/preferred deals; 0.5-1.5% on equity deals plus $30-70/yr admin fee and a promote on some equity deals
- Reported return
- Platform-reported Alpine Note APYs roughly 7.35-9.00% by term (3-9 months); deal-level target IRRs vary
- Liquidity
- Alpine Notes mature in 3-9 months; equity deals lock capital 3-7 years
- Founded
- 2015
Source: equitymultiple.com, read October 18, 2026
Is it worth it?
Platform-reported, not guaranteed: about $900 a year on $10,000 if the 9% figure held
A $10,000 stake at the platform-reported 9% would generate roughly $900 a year before fees, if that figure held. It is the first figure the platform states (a distribution rate, a target or a past return: read its own wording above), and it is not guaranteed. Fees, defaults and illiquidity reduce it, and platform-reported figures are not audited.
What is EquityMultiple?
EquityMultiple is an accredited-only commercial real estate platform whose star product is its cash-alternative line: Alpine Notes, fee-free short-duration notes (3-9 months) yielding platform-reported APYs of roughly 7.35-9.00%, with no missed or late interest payments to date (platform-reported). The key caveat: Alpine Notes are issued by EquityMultiple, Inc. itself and are not FDIC-insured or guaranteed, so repayment depends on the company ([EquityMultiple](https://equitymultiple.com/alpine)).
The minimum is $5,000 for Alpine Notes (the intro Traverse series starts at $1,000); individual deals typically require $10,000-$30,000. Fees: none on Alpine Notes, about 1% on debt and preferred deals, 0.5-1.5% on equity deals plus a $30-70 annual admin fee and a promote on some equity deals. Equity deals lock capital for 3-7 years.
Founded in 2015, with over $1.5B in cumulative investment volume across 50k+ investors (platform-reported). The BBB rates EquityMultiple B- and lists one complaint closed in the past three years ([BBB](https://www.bbb.org/us/ny/new-york/profile/information-technology-services/equitymultiple-0121-165155)). The three-tier Keep/Earn/Grow product ladder offers genuine diversification across debt, preferred, and equity, but the equity side carries full CRE cycle risk.
Key details
Alpine Notes: fee-free 3-9 month notes as a cash alternativeThree-tier product ladder (Keep/Earn/Grow)Institutional-style deal vettingDebt, preferred equity, and equity deals on one platformIntro Traverse series from $1,000
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EquityMultiple FAQ
What is the minimum investment on EquityMultiple?
$5,000 for Alpine Notes ($1,000 for the intro Traverse series). Individual deals typically require $10,000-$30,000.
Is accreditation required on EquityMultiple?
Yes. All EquityMultiple offerings are limited to accredited investors.
What are the risks of investing on EquityMultiple?
Alpine Notes are issued by EquityMultiple, Inc. itself and are not FDIC-insured or guaranteed, so their repayment record depends on the company staying able to pay (EquityMultiple). Equity deals carry full commercial real estate cycle risk with 3-7 year lockups.
Source: equitymultiple.com