Lofty vs. Roofstock 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.

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

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.

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.

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.

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.

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.

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.

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.

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

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

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