Real Estate Crowdfunding Minimum Investments by Platform

Low-Minimum Platforms ($10 to $100)

Several platforms have made real estate crowdfunding accessible to nearly anyone with a few dollars to invest.

Fundrise offers the lowest entry point at $10 for their Starter portfolio. This invests your capital across a diversified mix of residential and commercial properties through their eREIT and eFund structures. Higher account tiers ($1,000 for Basic, $5,000 for Core, $10,000 for Advanced, $100,000+ for Premium) unlock additional features like IRA investing and individual fund selection, but the core investment experience is available at $10.

Groundfloor also starts at $10, though the model is different. Each investment is an individual short-term residential loan, so $10 buys you a fractional position in a single loan. To build meaningful diversification at this level, you would spread small amounts across many loans.

Arrived Homes allows investments starting at $100 in individual rental properties. Each offering corresponds to a specific single-family home, and you purchase shares representing fractional ownership. Quarterly dividends come from rental income collected on the property.

Mid-Range Platforms ($500 to $5,000)

DiversyFund requires a $500 minimum for their Growth REIT, which focuses on multifamily value-add properties. The fund reinvests all distributions rather than paying them out, so returns come entirely from appreciation realized when properties are sold.

RealtyMogul offers two non-accredited REIT products with $5,000 minimums. MogulREIT I focuses on income (targeting 6% to 8% annual distributions) while MogulREIT II focuses on growth. These are among the most accessible managed fund options for investors who want to start with a meaningful but not enormous commitment.

EquityMultiple starts at $5,000 for their Alpine Notes product (short-term debt) and $10,000 to $20,000 for individual equity deals. Their fund products typically require $10,000 to $20,000.

High-Minimum Platforms ($25,000 and Above)

CrowdStreet individual deals typically require $25,000 minimum investments, though some deals set minimums at $50,000 or even $100,000. These are individual property investments available only to accredited investors, offering direct exposure to specific commercial properties with identified sponsors and business plans.

Origin Investments requires a $50,000 minimum for their fund products, targeting accredited investors seeking institutional-quality diversified real estate exposure.

Cadre sets minimums at $25,000 for their Direct Access Fund and $50,000 for individual deals, focusing on institutional-grade commercial properties in major markets.

How Minimums Affect Your Strategy

The minimum investment amount directly impacts your ability to diversify. An investor with $25,000 in total crowdfunding capital who invests the entire amount in a single CrowdStreet deal has zero diversification and maximum single-deal risk. That same $25,000 spread across 2,500 Groundfloor loans at $10 each would be extremely diversified but impractical to manage.

A practical approach: if your total crowdfunding budget is under $10,000, use a single diversified fund product (Fundrise or RealtyMogul). If your budget is $10,000 to $50,000, consider splitting between a diversified fund and 1 to 3 individual investments at the lower minimum platforms. Above $50,000, you have enough capital to build a diversified portfolio of 5 to 10+ individual investments across multiple platforms, supplemented by fund positions.

Remember that the minimum investment is just the entry point. The actual amount you should invest depends on your total portfolio, liquidity needs, and risk tolerance. A platform with a $10 minimum does not mean $10 is a meaningful investment, just as a $25,000 minimum does not mean $25,000 is the right amount for your situation.

For a complete introduction to real estate crowdfunding, see What Is Real Estate Crowdfunding?.