Best Real Estate Crowdfunding Platforms for Non-Accredited Investors

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Contributor, Benzinga
July 10, 2024

Arrived Homes and Fundrise are the best real estate crowdfunding platforms for non-accredited investors, they offer opportunities to invest with lower minimum investments, diversified portfolios, and user-friendly interfaces.

While the options for non-accredited investors to invest in real estate crowdfunding have been limited in the past, a few crowdfunding platforms are opening up real estate investing to virtually anyone. Keep reading to find out which options are available and what the best platforms are for real estate crowdfunding for non-accredited investors.

Quick Look: Best Real Estate Crowdfunding for Non-Accredited Investors

Best ForPlatformMinimum Investment
Best OverallArrives Homes$100
Best for Low Minimum InvestmentFundrise$10
Fractional for Real Estate Debt InvestmentsGroudfloor$10
Best for Ease of UseSteitwise$1,000

Best Real Estate Crowdfunding Options for Non-accredited Investors

If you're looking for real estate investment options as a non-accredited investor, below is Benzinga’s list of top picks for the best real estate crowdfunding platforms for non-accredited investors.

1. Best Overall: Arrived Homes

Arrived Homes is a real estate investing platform that allows investors to purchase shares of individual rental properties. The company makes it possible to invest in rental properties for as little as $100. Arrived Homes also handles property management responsibilities, making investments completely passive. This platform is a great option for investors who don’t want to fork over the cash for a down payment on their own rental property.

  • Fees: Long Term Rentals: 3.5% sourcing Fee, 0.15% AUM fee. Vacation rentals: 5% sourcing fee, 5% gross rents fee, property management fees (third party-pass-through fees): vary
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2. Best for Low Minimum Investment:  Fundrise

  • Fundrise
    Best For:
    Beginner Real Estate Investors
    securely through Fundrise's website

    This is a testimonial in partnership with Fundrise. We earn a commission from partner links on All opinions are our own.

Fundrise provides a wide range of real estate investment options for non-accredited investors, with minimum investments starting at just $10. You'll have the ability to invest in non-traded eREITs, real estate funds and single-asset offerings. The platform automatically allocates your investment across multiple projects to maximize returns and provide a hedge against risks.

  • Fees: 0.15% advisory fee for all Fundrise assets plus 0.85% for real estate funds, 1.85% for innovation fund, and $10 per month or $99 per year for Fundrise Pro.
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3. Fractional for Real Estate Debt Investments: Groundfloor

Groundfloor allows non-accredited investors to invest in crowdfunding through short-term loans made to real estate investors and home builders. It offers the lowest minimum investment crowdfunding option available, allowing investors to get started with as little as $10.

Groundfloor offers short-term loans on residential properties and sells portions of those loans to its investors through a limited recourse obligation (LRO). Investors can browse available loans and invest in whichever ones they want in $10 increments. Most loans on the platform pay an interest rate between 7% to 12% with terms of 6 to 12 months.

Investors can schedule recurring deposits into their Groundfloor account and set up automatic investing based on the criteria they set.

  • Fees: Borrowers pay between 2.75% and 4% of the principal amount as interest for underwriting the loan. Points and fees are financed into the principal loan amount at closing, and interest payments are deferred until the loan is repaid.
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4. Best for Ease of Use: Streitwise

Streitwise offers a private real estate investment trust (REIT) for accredited and non-accredited investors with an investment minimum of around $1,000. The company focuses on investing in low-risk rental commercial real estate aimed at providing clients with consistent high-yield returns. The team invests in markets that are steadily growing. If you’re looking to diversify your current investment portfolio but fear real estate is too lofty a goal, Streitwise can be worth exploring.

  • Fees: There is a 2% annual fee applicable. This fee is usually deducted from the dividend payment each year, ensuring that investors do not see a direct reduction of 2% from their investment annually.
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Difference Between Accredited and Non-Accredited Investors

The SEC has rules in place to determine who can invest in which type of real estate crowdfunding offering based on whether they’re an accredited investor or a non-accredited investor.

Accredited Investor

An accredited investor can participate in all types of crowdfunding deals. To be an accredited investor, an individual must meet one of the following requirements:

  • An annual income of at least $200,000 ($300,000 if married) in each of the prior two years, and reasonably expects the same for the current year.
  • A net worth of at least $1 million, excluding the value of the person’s primary residence.
  • Hold a Series 7, 65 or 82 license in good standing.

Companies and trusts are also categorized as accredited or non-accredited investors. For an organization to have accredited status, they must meet one of the following requirements:

  • A trust with over $5 million in total assets that is not formed to purchase securities in the subject investment and is directed by a sophisticated person
  • An entity with total investments of at least $5 million that is not formed to specifically purchase securities in the subject investment
  • An entity in which all equity owners are accredited investors

Accredited investors are the only type of investor that can participate in Regulation D Rule 506(c) offerings. Under Rule 506(c), accredited investors are not limited to how much they can invest.

Non-accredited Investor

A non-accredited investor is anyone who doesn’t meet the requirements to be accredited. Since crowdfunding is presumed to be a higher-risk investment than publicly traded stocks or bonds, these rules were put in place to help protect non-accredited investors from losing their life savings.

Investing in Crowdfunding as a Non-accredited Investor

Real estate crowdfunding offered through Regulation A+ offers a way for non-accredited investors to invest in real estate without having to purchase their own properties. Crowdfunding companies don’t have to follow the same regulations as publicly traded REITs. This means it’s important to be thorough when conducting due diligence on a crowdfunding platform and its individual offerings. Real estate crowdfunding can provide excellent returns but only when smart investments are made.

Frequently Asked Questions


Are investments for non-accredited investors totally safe?


Investments for non-accredited investors carry risk and may lack access to certain opportunities. Investors should research investments, consult professionals and diversify to minimize risks.


How can you start participating in real estate crowdfunding?


To start with real estate crowdfunding, research and choose a platform that caters to non-accredited investors, such as Fundrise or Groundfloor. Once you’ve selected a platform, you’ll need to create an account and undergo a verification process, and then you can begin investing with as little as $500, depending on the platform’s minimum investment requirement.


Can you make money from crowdfunding?


Crowdfunding allows individuals or businesses to raise funds from many people in exchange for a product, service or equity. A successful crowdfunding campaign requires sound planning, a persuasive pitch and a strong network of supporters. Not all campaigns are successful and there are risks involved.

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