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Real Estate Platform Comparison· Updated May 5, 2026
Mogul vs. RealT 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.
Mogul is a polished, premium-positioned fractional rental platform with a $250 minimum, monthly distributions, and a 12% hurdle rate on listings. The team's institutional pedigree is real, but Mogul is newer and has a smaller portfolio than legacy peers — best paired with established platforms.
RealT pioneered low-minimum fractional exposure to U.S. rental properties with weekly rent distributions, but the platform is currently closed to U.S. citizens and residents and operates under a Reg S offering for non-U.S. investors only. American investors who want a similar fractional U.S. rental experience can compare Lofty (per-property fractional shares, 24/7 marketplace, daily payouts, $50 minimum), Arrived (single-family rentals, $100 minimum, quarterly distributions), or Roots (Atlanta-focused REIT, $100 minimum, quarterly liquidity).
At a Glance
Mogul vs. RealT — Key Stats
Pros & Cons
What each platform does well and poorly
Monthly distributions
Mogul pays monthly distributions to investors — more frequent than the quarterly cadence used by most peer platforms in the SFR fractional space.
12% minimum hurdle rate per property
Mogul publicly states a 12% minimum hurdle rate for properties listed on the platform. While not a guarantee, the underwriting bar is more transparent than many peers.
Institutional founding team
Founded by former Goldman Sachs executives. The team brings institutional underwriting experience to the fractional retail space.
Sun Belt focus
Properties are primarily located in high-growth Sun Belt markets — Texas, Arizona, Florida — that have driven outsized rental demand over the last several years.
$250 minimum
Investors can get started with $250 per property — accessible enough for most retail investors to test the platform without committing large capital.
Newer platform with limited track record
Mogul is newer than legacy peers like Fundrise (2010) and Groundfloor (2013). Reported headline returns of ~18.8% should be treated as platform-marketed rather than fully realized across many vintages.
Smaller portfolio than scaled peers
Mogul lists a relatively small set of curated properties — meaningful for a newer platform but smaller than scaled peers running into the hundreds or thousands. Diversification options within the platform are still narrow.
Limited secondary liquidity
Like most fractional SFR platforms, secondary-market liquidity is constrained. Mogul has not publicly disclosed a SEC-registered secondary market like Ark7.
Geographic concentration risk
Heavy Sun Belt focus is a double-edged sword: the region has strong rental demand, but a regional downturn would hit Mogul investors disproportionately.
Long-running international platform
RealT has been operating since 2019 through RealToken Inc. (Boca Raton, FL) and has fractionalized hundreds of U.S. single-family rental properties under a Reg S offering for non-U.S. investors.
Weekly rent distributions
RealT distributes rent payments weekly to investors holding RealTokens, paid out in stablecoins (xDai / USDC) on the Gnosis Chain. Weekly is more frequent than monthly or quarterly schedules used by most competitors.
Detroit and Midwest single-family focus
RealT concentrated heavily on Detroit single-family rentals and has expanded into Cleveland, Chicago, Memphis, and other Midwest cash-flow markets — asset classes that historically produce above-average rental yields.
Per-token minimums roughly $50
When accessible, RealT's per-token prices are typically around $50, giving non-U.S. investors a low entry point to U.S. rental property exposure.
Not open to U.S. citizens or residents
RealT.co explicitly geo-blocks U.S. visitors and states the website is not open to U.S. citizens or residents. The platform operates under Regulation S, which excludes U.S. persons. RealT has said a U.S.-eligible offering is in the works but is not yet available.
Self-custody and DEX complexity
RealT investors hold RealTokens in a self-custody wallet on the Gnosis Chain or Ethereum, and secondary trading happens on third-party decentralized exchanges. That adds wallet management, gas fees, and DEX liquidity risk that traditional fractional platforms do not have.
Property-level performance variance
Returns vary widely by property — some Detroit properties have produced strong yields, while others have suffered from vacancies, tenant turnover, or capex shocks. Diversification across multiple RealTokens has historically been important.
Reg S structure limits investor protections vs. Reg A
Regulation S offerings (used by RealT for non-U.S. investors) carry different investor-protection requirements than Regulation A offerings used by U.S.-eligible competitors. U.S. investors should weigh that difference if RealT's U.S.-eligible offering eventually launches.
Deep Dive
Detailed comparison
What You're Investing In
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.
Individual U.S. single-family rental properties, fractionalized into RealTokens. Each property typically has its own RealToken contract on the Gnosis Chain or Ethereum.
Property Locations
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.
Primarily Detroit, with significant exposure to Cleveland, Chicago, Memphis, and other Midwest cash-flow markets.
Expected Returns
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.
Historical net rental yields on individual RealT properties have generally ranged 6–10% annually depending on the property and market, with total return depending on property appreciation. Returns vary widely property by property — some have performed above target, others have suffered from vacancies and capex. Past performance does not guarantee future results.
Fees
Fee structure varies by offering. Read each property's fee disclosure carefully — sourcing, asset management, and property management fees all impact net investor returns.
RealT property management, maintenance, and operating costs are deducted before rent is distributed to investors. RealT's public FAQ also notes that claiming or trading on third-party networks can involve network or exchange fees. We did not find a current official public page confirming a single universal upfront platform-fee percentage, so investors should read each property's offering documents before buying.
Liquidity
Long-term hold expected (5+ years typical for SFR fractional structures). Mogul has not publicly disclosed a formal secondary market.
No fixed lock-up. Secondary trading happens on third-party decentralized exchanges, so liquidity depends on third-party order books rather than a centralized marketplace.
Who Can Invest
Open to U.S. investors. Specific accreditation requirements vary by offering — verify on the platform.
Currently open only to non-U.S. citizens and non-U.S. residents under the platform's Reg S offering. RealT.co geo-blocks U.S. visitors and explicitly states the website is not open to U.S. citizens or residents.
The Verdict
Which is better — Mogul or RealT?
Mogul is a credible, premium-positioned newer entrant in fractional real estate. The $250 minimum, monthly distributions, 12% hurdle rate, and ex-Goldman Sachs founding team make it more interesting than most newer platforms. But its smaller portfolio size, Sun Belt geographic concentration, and shorter operating history mean it works best as a smaller piece of a diversified fractional portfolio, not as a single primary holding.
Full Mogul review →RealT is one of the longest-running fractional real estate platforms in the world and a legitimate option for non-U.S. investors who want exposure to U.S. single-family rentals with weekly distributions. But because RealT does not accept U.S. citizens or residents today, U.S. investors looking for a similar fractional U.S. rental experience need to use a U.S.-eligible alternative — most directly Lofty (24/7 marketplace, daily payouts, $50 per-property minimum), with Arrived and Roots also worth comparing depending on whether you prefer per-property ownership or a REIT structure.
Full RealT review →Bottom Line
Mogul scores higher (3.5/5) and edges out RealT on our investment quality criteria.
Mogul is a polished, premium-positioned fractional rental platform with a $250 minimum, monthly distributions, and a 12% hurdle rate on listings. The team's institutional pedigree is real, but Mogul is newer and has a smaller portfolio than legacy peers — best paired with established platforms.
Frequently Asked Questions
Mogul vs. RealT FAQ
Which is better — Mogul or RealT?
Based on our scoring criteria — returns, fees, liquidity, transparency, minimums, and track record — Mogul (3.5/5) scores higher than RealT (2.5/5). Mogul is a polished, premium-positioned fractional rental platform with a $250 minimum, monthly distributions, and a 12% hurdle rate on listings. The team's institutional pedigree is real, but Mogul is newer and has a smaller portfolio than legacy peers — best paired with established platforms.
What is the minimum investment for Mogul vs. RealT?
Mogul's minimum investment is $250. RealT's minimum investment is ~$50 per token (when accessible); not currently available to U.S. investors.
How do Mogul and RealT compare on liquidity?
Mogul: Long-term hold expected (5+ years typical for SFR fractional structures). Mogul has not publicly disclosed a formal secondary market. RealT: No fixed lock-up. Secondary trading happens on third-party decentralized exchanges, so liquidity depends on third-party order books rather than a centralized marketplace.
What returns can investors expect from Mogul vs. RealT?
Mogul reports average yearly returns of Listed properties target 7–12% rental yield + appreciation; 12% minimum hurdle rate. RealT reports average yearly returns of Historical net rental yields ~6–10% per property; total returns vary by property and market. 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