9 Real Estate Investing Platforms For Non-Accredited Investors

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Despite being considered one of the best long-term investments, real estate hasn’t always been accessible to everyone. It often requires a substantial amount of money to get started and effort to maintain the property.

Real estate crowdfunding sites have made investing in this asset class more accessible. These platforms let investors purchase a small portion of a property at an affordable price. They also oversee property management.

While many real estate investment sites are only available to accredited investors, there are sites for non-accredited investors. We’ve found the best real estate investing platforms for non-accredited investors can use.

Accredited vs. Non-Accredited Investors

Before evaluating real estate investing platforms, it’s important to understand the difference between an accredited and a non-accredited investor. It’s also helpful for you to know which category you fall into.

Accredited investors must have at least one of the following:

  • An income of $200,000 or more for the last two years
  • An income of $300,000+ for the last two years when combined with a spouse
  • A net worth of at least $1 million, either alone or with a spouse
  • Series 7, 65 or 82 licenses

An accredited investor can also be an organization, like a trust or entity with total assets or investments of at least $5 million, or an entity where all equity owners are accredited investors.

If you meet one of the requirements above, you’re considered an accredited investor and can pursue opportunities only available to accredited investors. 

However, if you don’t meet one of the requirements above, you’re a non-accredited investor. There are no requirements to be a non-accredited investor, and many crowdfunded real estate platforms will work with you.

Real Estate Investing For Non-Accredited Investors

If you’re a non-accredited investor, here are your options to generate passive income with real estate

1. Groundfloor

Groundfloor provides short-term, high-yield real estate debt investments to non-accredited investors. They have a Groundfloor mobile app available via the Apple App Store and Google Play Store for easier access and a true mobile-first investing experience. It’s also won numerous awards since its founding in 2013, including Forbes Fintech 50.

Since Groundfloor offers debt investments, you aren’t buying ownership of the properties directly. You’re investing in fractional real estate loans to entrepreneurs borrowing from Groundfloor to renovate or construct residential homes. However, you can start with as little as $10 (though most start with $100), and the company boasts around 10% annual returns.

The loans pay monthly interest after a short lag. In addition, because Groundfloor offers short-term debt investments, investors are repaid in as little as 12 to 18 months. Thanks to Groundfloor’s Auto Investor Account, which automatically invests and instantly diversifies funds across dozens of loans as soon as they hit, you can start seeing repayments in as little as seven days, which you can reinvest into other loans.

That said, it’s important to remember that your investment is illiquid until then. 

Read our full Groundfloor Review to learn more.

2. Diversyfund

Diversyfund is a real estate crowdfunding site that allows you to start investing in real estate without being an accredited investor. The company focuses on multi-family assets rather than single-family homes. 

Non-accredited investors can start investing with as little as $500. In addition, the company’s app makes it easy to set up automatic investments, track your investment growth, and more.

Diversyfund is unique from other platforms because it’s fully automated. Unlike many of its competitors, you don’t have the opportunity to choose individual investments.

Read our Diversyfund review.

3. Fundrise

Fundrise is one of the most popular real estate crowdfunding sites for non-accredited investors to choose from various portfolios. 

The platform offers five investment options ranging from Starter to Premium, with minimum investments ranging from $10 to $100,000. 

Each portfolio includes a diversified selection of real estate investments. Every portfolio except the Premium option is open to non-accredited investors.

The platform’s portfolios are meant to be long-term investments. As a non-accredited investor, you should expect to keep your money in the fund for at least five years. Additionally, your dividends will be automatically reinvested. 

Note: We will get a commission if you sign up through this endorsement of Fundrise. However, we only promote brands we believe are a good fit for our readers. All opinions are our own.

Read our complete Fundrise review for more details.

4. Roofstock

Roofstock is a property investing site for non-accredited investors to invest in a variety of ways. 

Investment options include:

  • Single-family homes around the country
  • Portfolios that give you a more diversified selection
  • Short-term rentals

When you sign up, you can shop Roofstock’s marketplace to find properties you’re interested in. Each property listing includes its gross yield, capitalization rate, neighborhood rating, and more.

Roofstock is unique because you aren’t just purchasing shares in individual properties. Instead, you’re buying them outright — often with financing — and someone else manages them.

The platform matches you with property managers who oversee the day-to-day management.

You do have the option of investing in the real estate portfolio instead of buying a property. This requires a minimum of $5,000 to get started. Plus, you’ll have to remain invested for at least five years.

5. RealtyMogul

RealtyMogul is one of the best real estate crowdfunding platforms that allows you to invest in private market offerings, private placements, and real estate investment trusts (REITs). 

Once you sign up, you’ll be able to choose from current eligible investments. You can see each investment’s past performance to help you choose. 

Then, after you find the right property, you can start investing in just a few minutes. You’ll even have an account dashboard where you can monitor your investments.

If you’d rather not invest in individual properties, you can also invest in REITs. These give you a more diversified portfolio of real estate investments. 

RealtyMogul’s REITs have an investment minimum of $5,000. You may earn monthly or quarterly distributions depending on your chosen portfolio.

6. YieldStreet

YieldStreet is an alternative investment platform that allows you to invest in real estate and other alternative investments, including art, short-term notes, private credit, and cryptocurrency. 

When you sign up, you’ll have the opportunity to invest in various portfolios, each of which has its own minimum investment, payment structure, and more.

The YieldStreet Prism Fund, the platform’s signature fund, is always open and has holdings in at least five asset classes. It has a minimum deposit of $500, which is considerably lower than any other portfolio on the platform. 

There are even themed funds, but these have higher minimums and are only available to accredited investors.

7. American Homeowner Preservation

American Homeowner Preservation (AHP) is a top real estate crowdfunding platform allowing individuals to invest in nonperforming loans.

Investing in these loans can help protect homeowners from foreclosure while still making money. 

AHP initially accepted investors through the AHP Fund, which has since closed to new investors. However, you can now invest in another opportunity called AHP Title. 

With AHP Title, you can earn up to 7% on your investment while helping families at risk of foreclosure stay in their homes. The investment only requires $100 to start and comes with monthly distributions.


  • Monthly distributions
  • $100 minimum investment
  • No investment fees
  • Help homeowners avoid foreclosure


  • Illiquid investment for five years
  • High-risk real estate investments

8. Arrived Homes

Arrived Homes is one of the top sites for non-accredited investors that allows you to invest in single-family investment properties. When you sign up, you can choose from various properties around the country. 

You can invest in one property or several. There’s a $100 minimum investment, and the per-share price for most properties is $10. 

Arrived Homes manages the properties, and you’ll earn rental income. Some properties are already rented out, so you can start earning money immediately. 

However, other properties are still seeking tenants, meaning there may be a waiting period before you start getting paid.

9. Streitwise

When it comes to real estate crowdfunding platforms, Streitwise is a real estate investment platform that allows anyone to own shares in commercial real estate by investing in REITs. 

These funds are diversified, meaning you can reduce risk while achieving impressive returns. 

The platform currently only has one REIT that’s open to new investors. It invests in institutional-quality commercial real estate buildings with a minimum investment of $5,055.

Frequently Asked Questions

Do you have questions about unaccredited real estate investment platforms? These answers might be able to help.

Do these platforms charge management fees?

Yes, many real estate investment platforms charge management fees. These fees are often a percentage of the total assets and are proportionally divided among the investors.
Keep in mind that the fees these platforms charge are similar to the ones you might pay with a mutual fund or other investment.

What is the minimum investment for an unaccredited real estate investor?

The minimum investment required for real estate depends on the platform you choose. 

Some platforms require only small minimum investments. You could get started for as little as $10, which makes real estate investing accessible to almost anyone.

However, some sites require a minimum investment of $5,000 or more to get started. When you are choosing a platform, evaluate how much you can invest so you can find a site that fits your needs.

Why should I invest in real estate?

Real estate investing has plenty of advantages, including predictable cash flow thanks to the rental income from the properties you invest in. 

You can also make money from appreciation as properties increase in value. Plus, real estate even allows you to diversify your portfolio beyond just stocks and bonds to minimize your risk.

What types of properties can I invest in?

There are a variety of types of properties available on the best real estate crowdfunding sites for non-accredited investors.

Depending on the platform you choose, you could invest in single-family homes, multi-family homes or commercial real estate. You could even invest in things like farmland.

Is investing in a real estate crowdfunding site safe?

Every type of investment requires some risk, and real estate crowdfunding is no exception.

There’s always the chance that a rental property will decline in value or won’t produce the expected cash flow advertised by the real estate crowdfunding platform.

Fortunately, the real estate crowdfunding platforms themselves are generally safe and use excellent security features to ensure your data is protected.

How Do These Unaccredited Real Estate Investing Platforms Compare

PlatformTrustpilot scoreInvestment MinimumFees
Groundfloor3.7 / 5$10None
Diversyfund3.4 / 5$5002%
Fundrise3.2 / 5$10Up to 1%
Roofstock3.2 / 5$5,0000.5% or $500, whichever is higher
RealtyMogul3.0 / 5$5,0001% to 1.25%
YieldStreet2.6 / 5$5001.5% to 2%
American Homeowner PreservationN/A$100None
Arrived HomesN/A$1001%


Real estate can make an excellent addition to your investment portfolio, and you don’t have to be an accredited investor. However, it’s no surprise that many of us aren’t able to go out and buy a rental property. 

Luckily, real estate crowdfunding sites for non-accredited investors make it easier to invest in properties, giving you partial ownership of a tangible asset while still providing a passive investing experience like stocks and bonds. 

Once you choose one of the top unaccredited real estate investing platforms for your investing goals, you can start collecting regular income.