Real Estate Platform Comparison· Updated May 5, 2026

Cadre vs. Roofstock 2026 Real Estate Investing Comparison

A side-by-side breakdown of returns, liquidity, fees, and trustworthiness to help you decide where to invest your money.

2.5

Cadre is a credible accredited-only commercial real estate platform with strong reported historical IRRs and institutional backing, but its $50,000 minimum, the January 2024 acquisition by Yieldstreet (now Willow Wealth), and a 2018 Kushner Cos. property controversy mean retail investors and platform-trust-sensitive investors should weigh it carefully.

★ Our Pick Roofstock logo

3.0

Roofstock is the dominant marketplace for buying whole single-family rental homes online, with deep listings, vetted property data, and a property management network. It's a fit for investors who want to own a full rental at scale — but if you want fractional shares with $50–$100 minimums, Lofty or Arrived are better matches.

At a Glance

Cadre vs. Roofstock — Key Stats

$50,000 (typical direct deal)MinimumWhole-home purchase price (typically $80,000–$400,000+); Roofstock One discontinued for new investors

5–8 years typicalHolding PeriodInvestor-controlled — sell whenever you choose

Limited liquidity optionsEarly WithdrawalStandard real estate transaction costs (~5–8% to sell)

Varies by deal (often quarterly)Rent PayoutMonthly (paid by tenant or property manager)

~17.8% historical IRR per Cadre's own platform reportingAvg. ReturnsTypical SFR cap rates 5–8%; total return depends on appreciation and leverage

Pros & Cons

What each platform does well and poorly

Institutional-quality commercial deals
Cadre curates commercial real estate offerings — multifamily apartments, office, hotels, industrial — that typically only institutional investors can access directly.
Established platform with track record
Founded in 2014, Cadre has reported approximately $184 million in cumulative gross distributions to investors and a roughly 17.8% historical IRR across realized deals.
Cadre Direct Access Fund
Investors who don't want to pick deals one-by-one can use the Cadre Direct Access Fund, which builds a diversified portfolio across roughly 15 high-growth U.S. markets.
Backed by a larger alt-investment platform
Since January 2024, Cadre has operated as part of Yieldstreet (rebranded to Willow Wealth in October 2025), a multi-asset alternatives platform with broader product distribution. Cadre's CEO Ryan Williams continues to lead the brand and Cadre's investment team transitioned with the deal.
$50,000 minimum
Cadre's typical direct-deal minimum is $50,000 — among the highest in our comparison set. Spreading capital across multiple deals (the prudent diversification strategy) requires several hundred thousand in available capital.
Accredited investors only
Cadre is closed to non-accredited investors. You must verify $200K+ income (or $300K+ jointly), $1M+ net worth excluding primary residence, or hold relevant financial licenses.
5–8 year hold periods, limited liquidity
Cadre deals typically run 5–8 years with no formal early-exit option. Sponsors decide when to liquidate. Capital should be considered locked for the full hold.
Now part of Willow Wealth (formerly Yieldstreet)
Yieldstreet completed its acquisition of Cadre on January 23, 2024 and rebranded the parent platform to Willow Wealth in October 2025. Investors who want a fully independent commercial real estate platform should factor in that Cadre's parent company has faced significant investor-loss coverage tied to other (non-Cadre) parts of its business.
2018 Kushner Cos. controversy
In 2018, Fortune Magazine and Bloomberg reported Cadre benefited from misleading rent filings on a Kushner Cos. property deal. The episode prompted significant scrutiny of the platform's underwriting and disclosure practices.
Limited public transparency
Independent reviewers (notably the Real Estate Crowdfunding Review) have flagged Cadre for declining to answer detailed performance and methodology questions. The platform reports its own IRR figures but external scrutiny is limited.

Real, full ownership
Buying through Roofstock means you actually own the property — title in your name, full control over rent setting, maintenance decisions, refinance, and sale. No platform sits between you and your asset.
Deep, vetted listings
Roofstock's marketplace contains thousands of single-family rental homes across the U.S., each with inspection reports, rent history, neighborhood ratings, and a Roofstock Estimate of expected return.
Property management built in
Roofstock's preferred property manager network covers most listed markets, so investors can buy a tenanted home in another state and hand off management on day one.
Use leverage to amplify returns
Because Roofstock investors buy whole homes, they can use traditional mortgage financing. That leverage is unavailable on most fractional crowdfunding platforms.
Investor-controlled liquidity
You decide when to sell. Roofstock has its own marketplace for tenanted homes, or you can list traditionally — either way, the exit timing is yours.
Whole-home minimums
Roofstock's main product is buying a full rental property. Even with leverage, that typically requires $20,000–$80,000+ in down payment plus closing costs, putting it out of reach for entry-level investors.
Roofstock One is closed to new investors
Roofstock One — the platform's accredited-only fractional product offering Tracking Stocks in single-family rentals — announced it was winding down in August 2023 and stopped accepting new capital contributions. The current marketplace is effectively a whole-home brokerage.
Transaction-style fees
Roofstock charges a 0.5% buyer fee or $500 minimum, plus standard closing costs and ongoing property management fees (typically 8–10% of gross rent). Sellers pay 3% or $2,500.
Headline cap rates can be optimistic
Roofstock's listed gross yields don't fully account for vacancy, maintenance, capex reserve, or local taxes. Real net returns are typically 1–3 percentage points lower than the headline number.
More work than passive
Even with property management, owning a rental home creates real work — financing, taxes, insurance, capex decisions, and tenant edge cases. It is not as hands-off as a REIT or fractional platform.

Deep Dive

Detailed comparison

What You're Investing In

Individual commercial real estate deals (multifamily apartments, office, hotels, industrial) and the Cadre Direct Access Fund. Both carry meaningful minimums and accreditation requirements. Cadre branding lives inside the broader Willow Wealth platform.

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

Property Locations

The Cadre Direct Access Fund covers approximately 15 high-growth U.S. markets, with concentration in Sun Belt metros. Direct deals are sourced across the U.S.

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.

Expected Returns

Cadre reports a historical IRR of approximately 17.8% across realized deals and roughly $184 million in cumulative gross distributions. Advertised target returns on individual offerings typically range 10–15%. Past performance is platform-reported and not independently audited.

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.

Fees

Cadre's fee structure varies by offering and includes both platform-level and sponsor-level fees. Read each deal's fee schedule carefully. Fund products typically include both management and carried-interest 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.

Liquidity

Typical hold periods run 5–8 years. Sponsors decide when to liquidate; investors do not control exit timing.

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

Who Can Invest

Accredited investors only. SEC accreditation requirements apply: $200,000+ annual income (or $300,000+ jointly), $1,000,000+ net worth excluding primary residence, or holding relevant financial licenses.

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

The Verdict

Which is better — Cadre or Roofstock?

2.5

Cadre is a credible institutional-quality commercial real estate platform with a strong reported track record and a diversified fund product. The $50,000 minimum and accredited-only access already limit it to high-net-worth investors, and the January 2024 acquisition by Yieldstreet — now Willow Wealth — plus the lingering 2018 Kushner Cos. controversy and limited public transparency add additional considerations. High-net-worth investors who already have institutional CRE exposure may still find selective value here, but most retail investors should look elsewhere.

Full Cadre review →

★ Our Pick

3.0

Roofstock is the gold-standard marketplace for investors who want to buy whole single-family rental homes online. Vetted listings, leverage availability, real ownership, and a property manager network make it a serious tool for portfolio scaling. But it isn't a fractional platform — Roofstock One has been closed to new investors and the core product requires whole-home capital. Investors who want low-minimum, hands-off fractional real estate exposure should look at Lofty or Arrived instead.

Full Roofstock review →

Bottom Line

Roofstock scores higher (3.0/5) and edges out Cadre on our investment quality criteria.

Frequently Asked Questions

Cadre vs. Roofstock FAQ

Which is better — Cadre or Roofstock?

Based on our scoring criteria — returns, fees, liquidity, transparency, minimums, and track record — Roofstock (3.0/5) scores higher than Cadre (2.5/5). Roofstock is the dominant marketplace for buying whole single-family rental homes online, with deep listings, vetted property data, and a property management network. It's a fit for investors who want to own a full rental at scale — but if you want fractional shares with $50–$100 minimums, Lofty or Arrived are better matches.

What is the minimum investment for Cadre vs. Roofstock?

Cadre's minimum investment is $50,000 (typical direct deal). Roofstock's minimum investment is Whole-home purchase price (typically $80,000–$400,000+); Roofstock One discontinued for new investors.

How do Cadre and Roofstock compare on liquidity?

Cadre: Typical hold periods run 5–8 years. Sponsors decide when to liquidate; investors do not control exit timing. Roofstock: Investor-controlled. Owners can hold indefinitely, refinance, or sell whenever they choose.

What returns can investors expect from Cadre vs. Roofstock?

Cadre reports average yearly returns of ~17.8% historical IRR per Cadre's own platform reporting. Roofstock reports average yearly returns of Typical SFR cap rates 5–8%; total return depends on appreciation and leverage. Past performance does not guarantee future results.

One of the most flexible ways to invest in real estate

Start building generational wealth with Lofty

$50 minimums · Daily rent payouts · No lock-up periods · 24/7 exchange

View Properties Get started free

Real Estate Platform Comparison· Updated May 5, 2026

Cadre vs. Roofstock 2026 Real Estate Investing Comparison

A side-by-side breakdown of returns, liquidity, fees, and trustworthiness to help you decide where to invest your money.

2.5

★ Our Pick Roofstock logo

3.0

At a Glance

Cadre vs. Roofstock — Key Stats

$50,000 (typical direct deal)MinimumWhole-home purchase price (typically $80,000–$400,000+); Roofstock One discontinued for new investors

5–8 years typicalHolding PeriodInvestor-controlled — sell whenever you choose

Limited liquidity optionsEarly WithdrawalStandard real estate transaction costs (~5–8% to sell)

Varies by deal (often quarterly)Rent PayoutMonthly (paid by tenant or property manager)

~17.8% historical IRR per Cadre's own platform reportingAvg. ReturnsTypical SFR cap rates 5–8%; total return depends on appreciation and leverage

Pros & Cons

What each platform does well and poorly

Institutional-quality commercial deals
Cadre curates commercial real estate offerings — multifamily apartments, office, hotels, industrial — that typically only institutional investors can access directly.
Established platform with track record
Founded in 2014, Cadre has reported approximately $184 million in cumulative gross distributions to investors and a roughly 17.8% historical IRR across realized deals.
Cadre Direct Access Fund
Investors who don't want to pick deals one-by-one can use the Cadre Direct Access Fund, which builds a diversified portfolio across roughly 15 high-growth U.S. markets.
Backed by a larger alt-investment platform
Since January 2024, Cadre has operated as part of Yieldstreet (rebranded to Willow Wealth in October 2025), a multi-asset alternatives platform with broader product distribution. Cadre's CEO Ryan Williams continues to lead the brand and Cadre's investment team transitioned with the deal.
$50,000 minimum
Cadre's typical direct-deal minimum is $50,000 — among the highest in our comparison set. Spreading capital across multiple deals (the prudent diversification strategy) requires several hundred thousand in available capital.
Accredited investors only
Cadre is closed to non-accredited investors. You must verify $200K+ income (or $300K+ jointly), $1M+ net worth excluding primary residence, or hold relevant financial licenses.
5–8 year hold periods, limited liquidity
Cadre deals typically run 5–8 years with no formal early-exit option. Sponsors decide when to liquidate. Capital should be considered locked for the full hold.
Now part of Willow Wealth (formerly Yieldstreet)
Yieldstreet completed its acquisition of Cadre on January 23, 2024 and rebranded the parent platform to Willow Wealth in October 2025. Investors who want a fully independent commercial real estate platform should factor in that Cadre's parent company has faced significant investor-loss coverage tied to other (non-Cadre) parts of its business.
2018 Kushner Cos. controversy
In 2018, Fortune Magazine and Bloomberg reported Cadre benefited from misleading rent filings on a Kushner Cos. property deal. The episode prompted significant scrutiny of the platform's underwriting and disclosure practices.
Limited public transparency
Independent reviewers (notably the Real Estate Crowdfunding Review) have flagged Cadre for declining to answer detailed performance and methodology questions. The platform reports its own IRR figures but external scrutiny is limited.

Real, full ownership
Buying through Roofstock means you actually own the property — title in your name, full control over rent setting, maintenance decisions, refinance, and sale. No platform sits between you and your asset.
Deep, vetted listings
Roofstock's marketplace contains thousands of single-family rental homes across the U.S., each with inspection reports, rent history, neighborhood ratings, and a Roofstock Estimate of expected return.
Property management built in
Roofstock's preferred property manager network covers most listed markets, so investors can buy a tenanted home in another state and hand off management on day one.
Use leverage to amplify returns
Because Roofstock investors buy whole homes, they can use traditional mortgage financing. That leverage is unavailable on most fractional crowdfunding platforms.
Investor-controlled liquidity
You decide when to sell. Roofstock has its own marketplace for tenanted homes, or you can list traditionally — either way, the exit timing is yours.
Whole-home minimums
Roofstock's main product is buying a full rental property. Even with leverage, that typically requires $20,000–$80,000+ in down payment plus closing costs, putting it out of reach for entry-level investors.
Roofstock One is closed to new investors
Roofstock One — the platform's accredited-only fractional product offering Tracking Stocks in single-family rentals — announced it was winding down in August 2023 and stopped accepting new capital contributions. The current marketplace is effectively a whole-home brokerage.
Transaction-style fees
Roofstock charges a 0.5% buyer fee or $500 minimum, plus standard closing costs and ongoing property management fees (typically 8–10% of gross rent). Sellers pay 3% or $2,500.
Headline cap rates can be optimistic
Roofstock's listed gross yields don't fully account for vacancy, maintenance, capex reserve, or local taxes. Real net returns are typically 1–3 percentage points lower than the headline number.
More work than passive
Even with property management, owning a rental home creates real work — financing, taxes, insurance, capex decisions, and tenant edge cases. It is not as hands-off as a REIT or fractional platform.

Deep Dive

Detailed comparison

What You're Investing In

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

Property Locations

The Cadre Direct Access Fund covers approximately 15 high-growth U.S. markets, with concentration in Sun Belt metros. Direct deals are sourced across the U.S.

Expected Returns

Fees

Liquidity

Typical hold periods run 5–8 years. Sponsors decide when to liquidate; investors do not control exit timing.

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

Who Can Invest

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

The Verdict

Which is better — Cadre or Roofstock?

2.5

Full Cadre review →

★ Our Pick

3.0

Full Roofstock review →

Bottom Line

Roofstock scores higher (3.0/5) and edges out Cadre on our investment quality criteria.

Frequently Asked Questions

Cadre vs. Roofstock FAQ

Which is better — Cadre or Roofstock?

What is the minimum investment for Cadre vs. Roofstock?

Cadre's minimum investment is $50,000 (typical direct deal). Roofstock's minimum investment is Whole-home purchase price (typically $80,000–$400,000+); Roofstock One discontinued for new investors.

How do Cadre and Roofstock compare on liquidity?

What returns can investors expect from Cadre vs. Roofstock?

One of the most flexible ways to invest in real estate

Start building generational wealth with Lofty

$50 minimums · Daily rent payouts · No lock-up periods · 24/7 exchange

View Properties Get started free