Lofty vs. RealtyMogul 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.

MogulREIT I (income-focused, monthly distributions), MogulREIT II (apartment growth, quarterly distributions), and individual private placements (accredited only, 5+ year holds, higher minimums).

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.

Properties are spread across the U.S. with concentration in growth metros — Texas, Florida, Georgia, the Carolinas, Tennessee, Arizona, and select coastal cities. Each deal's location is disclosed in the offering documents.

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.

MogulREIT I targets 6–8% annualized distributions with limited NAV appreciation. MogulREIT II targets growth (apartment value appreciation) with smaller current distributions. Private placements target higher IRRs (often 12–18%) but carry deal-specific risk and longer holds.

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.

RealtyMogul charges 1–1.25% asset management on REITs plus organization, offering, and acquisition fees that vary by deal. Private placements layer sponsor fees (acquisition, asset management, disposition) on top. Investors should read each deal's full fee schedule.

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.

Both MogulREITs offer a quarterly share repurchase program. After 3 years held, redemption is at full NAV, subject to availability. Private placements typically run 5+ years with no early-exit option.

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

MogulREITs are open to non-accredited and accredited U.S. investors. Private placements and 1031 exchange offerings are restricted to accredited investors only.