Ark7 vs. Roofstock 2026 Real Estate Investing Comparison

Individual U.S. single-family and small multi-family rental homes, fractionalized into shares. Investors can buy shares from new property offerings or, after the 12-month hold, from other investors on the SEC-registered ATS secondary market.

Whole single-family rental homes — typically tenanted, sometimes vacant — from individual sellers, builders, and institutional sources. Multi-property portfolios are also occasionally listed.

Properties span 10+ U.S. states with concentration in growth markets. Specific market mix varies by listing.

Strong coverage across the Sun Belt — Texas, Florida, Georgia, Tennessee, the Carolinas, Alabama, Arizona, Ohio — and select Midwest and East Coast markets. Each listing's market has a published neighborhood and school rating.

Returns vary by property and depend heavily on local rental performance. Recent platform updates report ~95% portfolio occupancy and cumulative dividends measured in the millions of dollars. Each property page lists projected dividend yield and projected appreciation. Past performance does not guarantee future results.

Typical SFR cap rates on Roofstock listings range 5–8% gross. Real net returns after vacancy, maintenance, capex, and management fees are typically 1–3 percentage points lower. Total return depends heavily on whether the investor uses leverage, holds for appreciation, and selects strong markets.

3% one-time sourcing fee at acquisition. 8–15% of monthly rental income for third-party property management (varies by long-term vs short-term rental). No commission on secondary market trades. IRA accounts: $100 per property per year, capped at $400/year.

Roofstock charges 0.5% of purchase price (or $500 minimum) on the buyer side and 3% (or $2,500 minimum) on the seller side. Property management fees through partner managers typically run 8–10% of gross rent. Standard closing costs and lender fees apply to financed purchases.

Investors cannot sell shares for the first 12 months after a property's initial offering. After that, shares can be listed on Ark7's SEC-registered PPEX ATS secondary market.

Investor-controlled. Owners can hold indefinitely, refinance, or sell whenever they choose.

Open to U.S. investors aged 18 or older. No accreditation required for most listings. IRA accounts are supported with a per-property annual fee.

Open to all investors — no accreditation required. Standard mortgage financing is available with typical lender requirements (credit score, down payment, debt-to-income).