Arrived vs. Groundfloor 2026 Real Estate Investing Comparison

Fractional shares of long-term single-family rentals, short-term vacation rentals, the Single Family Residential Fund, and the Private Credit Fund. Most investors hold a basket of individual properties.

Three core products: Groundfloor Original (individual loans graded A–G), Stairs by Groundfloor (a savings-style product paying a steady rate), and Notes (short-duration debt instruments). All are real estate debt — no equity ownership.

Arrived's portfolio is heavily concentrated in the southern and mid-western U.S. — Georgia, Alabama, Tennessee, Arkansas, the Carolinas, and Florida — plus tourism markets like Tennessee and Arizona for vacation rentals.

Groundfloor lends in 45+ U.S. states, giving investors broad geographic diversification across one platform.

Q1 2026 dividend yields averaged about 3.6% on long-term rentals and 2.4% on short-term rentals, with the Private Credit Fund yielding closer to 8.1%. Across 173 exited properties, total returns averaged 18.6% over the hold period (not annualized). The advertised total return range across the platform is 4.7%–12.8% per year combining income and appreciation.

Groundfloor's historical average return is approximately 10% per year. A diversified portfolio across all available loans has historically produced around 10.7% annualized. Loans pay between roughly 5.5% (A grade) and 25%+ (G grade), and investors earn the same rate the borrower pays. Capital not deployed within 45 days returns to the investor with no interest.

Arrived charges a sourcing fee (~3.5–5% of home cost), an annual AUM fee (~0.15% of property value), and property management fees of roughly 8% of gross rents collected (passed to a third-party manager). Vacation rentals carry additional gross-revenue fees.

Zero investor fees. Borrowers pay 2–4.5% origination plus other closing fees, all visible inside the offering documents but not charged to investors.

Long-term rentals are designed for a 5–7 year hold; vacation rentals for up to 15 years. Arrived decides when to sell each property based on its own assessment of market conditions.

Holding period equals the loan term — typically 6–18 months. Investors can target shorter durations by buying into in-progress loans.

Open to U.S. citizens and residents 18 or older. No accreditation required. Investors receive 1099 documents annually and can also invest through self-directed IRAs.

Open to non-accredited and accredited U.S. investors. International investors can participate but must email support to fund accounts and meet a $5,000 minimum transfer.