Fundrise vs. Roofstock 2026 Real Estate Investing Comparison

Fundrise REITs (residential, industrial, flagship), the Innovation Fund (venture capital), and the Income Real Estate Fund. Investors do not own individual properties; they own shares of a fund that owns the portfolio.

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

Fundrise's real estate portfolio skews toward Sun Belt markets — Texas, Florida, Georgia, the Carolinas, and Arizona — with selective exposure to coastal markets like Washington D.C. and California.

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.

Fundrise's long-run net average return is approximately 7% per year for investors who held through multiple years. Annual results have been volatile recently — roughly +1.5% in 2022, -7.45% in 2023, and a recovery in 2024–2025. Returns are split between modest dividends (recently ~2–3% annualized) and NAV 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.

Fundrise charges 1% per year on real estate funds (0.85% asset management + 0.15% advisory). The Innovation Fund charges 1.85%. Fundrise Pro is an optional $99/year. Early-redemption fees of 1% apply to shares held under five years, and IRAs incur a $75 annual fee.

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.

Fundrise products are designed to be held for at least five years. Below that, early redemption is treated as an exception, not a feature.

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

Open to all U.S. citizens and permanent residents 18 or older. No accreditation required. Fundrise supports taxable brokerage, traditional IRA, Roth IRA, joint accounts, entities, and trusts. International investors are not supported.

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