Lofty vs. Mogul 2026 Real Estate Investing Comparison

Individual U.S. real estate — single-family homes, multi-family buildings, mixed-use properties, and commercial real estate — fractionalized into shares of a property-specific LLC. Investors can also trade their shares with other investors on Lofty's exchange at any time.

Curated single-family rentals (typically priced $500K–$1M each), primarily located in Sun Belt growth markets. Each property is fractionalized into shares investors can purchase from $250.

Lofty properties span roughly 40 U.S. markets, with active diversification across states and regions so investors can build a geographically balanced portfolio. Specific market mix is updated as new properties are listed.

Sun Belt focus: Texas, Arizona, Florida, with selective expansion. The geographic concentration is intentional but creates regional risk for investors who want broader U.S. diversification.

Returns vary by individual property. As of May 2026, Lofty's marketplace has a 9.2% average rental yield across 111 properties. Each property page lists projected rent, projected appreciation, and historical comps so investors can model expected returns themselves before committing capital. Past performance does not guarantee future results — read each property's underwriting carefully.

Mogul-listed properties target rental yields of approximately 7–12% with monthly distributions. Expected annual IRRs on listed properties range 15–20% per Mogul's underwriting. Mogul reports an average yearly return of 18.8% — investors should treat this as platform-marketed rather than fully realized across many vintages.

Lofty charges a 2.5% fee on share purchases and a 3% fee on share sales — meaning a round-trip trade carries roughly 5.5% in exchange fees. There are no AUM fees, no property management fees billed directly to investors, no upfront fees, and no early withdrawal penalties.

Fee structure varies by offering. Read each property's fee disclosure carefully — sourcing, asset management, and property management fees all impact net investor returns.

There is no minimum holding period on Lofty. Investors can list their shares for sale on the exchange at any time, at any price they choose.

Long-term hold expected (5+ years typical for SFR fractional structures). Mogul has not publicly disclosed a formal secondary market.

Lofty is open to U.S. citizens and many international investors who can complete identity verification. Investors must be 18 or older.

Open to U.S. investors. Specific accreditation requirements vary by offering — verify on the platform.