Arrived vs. Roofstock 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.

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

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.

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.

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.

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.

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.

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.

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.

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

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