Real Estate Platform Comparison· Updated May 5, 2026
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.
RealtyMogul is a credible, established option for investors who want exposure to commercial real estate REITs. The $5,000 minimum, multi-tier fees, and 3-year minimum hold for redemption make it best for buy-and-hold investors with mid-sized portfolios.
At a Glance
Pros & Cons
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 track record
Founded in 2012, RealtyMogul is one of the original real estate crowdfunding platforms. The company has publicly reported deploying more than $1 billion of investor capital across hundreds of properties since founding.
Real commercial REIT exposure
MogulREIT I (Income) and MogulREIT II (Apartment Growth) give non-accredited investors exposure to institutional-quality commercial real estate — multifamily, office, retail, industrial.
Monthly Income REIT distributions
MogulREIT I pays distributions monthly — more frequent than most peer REIT platforms — and has historically targeted 6–8% annualized distribution yield.
Penalty-free redemption after 3 years
Both MogulREITs offer a quarterly share repurchase program. After 3 years held, investors can redeem at full NAV (subject to availability).
$5,000 REIT minimum
RealtyMogul's REIT minimum is 50x Lofty's and 500x Fundrise's. The high minimum makes it harder to test the platform or diversify without committing real capital.
Complex, layered fees
RealtyMogul charges a 1–1.25% asset management fee plus organization, offering, and acquisition fees that vary by product. Private placements add sponsor-level fees on top.
Early redemption discounts
Redemption requests in years 1–2 are discounted (typically 2–4% off NAV) and not guaranteed if there's insufficient liquidity in the share repurchase program.
Most deals are accredited-only
Only the two MogulREITs are open to non-accredited investors. Individual private placements and 1031 exchange deals require accredited status.
Deep Dive
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.
MogulREIT I (income-focused, monthly distributions), MogulREIT II (apartment growth, quarterly distributions), and individual private placements (accredited only, 5+ year holds, higher minimums).
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.
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.
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.
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.
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.
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.
Liquidity
Long-term hold expected (5+ years typical for SFR fractional structures). Mogul has not publicly disclosed a formal secondary market.
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.
Who Can Invest
Open to U.S. investors. Specific accreditation requirements vary by offering — verify on the platform.
MogulREITs are open to non-accredited and accredited U.S. investors. Private placements and 1031 exchange offerings are restricted to accredited investors only.
The Verdict
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 →RealtyMogul is a credible, well-established option for mid-sized investors who want exposure to commercial real estate REITs with monthly distributions and the option of accredited-only private placements. The trade-offs are real: a $5,000 minimum that limits diversification, layered fees, and a 3-year minimum hold for penalty-free redemption mean RealtyMogul rewards committed buy-and-hold investors. Investors with smaller capital, those wanting daily payouts or a 24/7 exchange, or those focused on direct property-level ownership will find better fit elsewhere.
Full RealtyMogul review →Bottom Line
Mogul scores higher (3.5/5) and edges out RealtyMogul 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
Based on our scoring criteria — returns, fees, liquidity, transparency, minimums, and track record — Mogul (3.5/5) scores higher than RealtyMogul (3.0/5). 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.
Mogul's minimum investment is $250. RealtyMogul's minimum investment is $5,000 (REITs); $25,000–$50,000+ (private placements).
Mogul: Long-term hold expected (5+ years typical for SFR fractional structures). Mogul has not publicly disclosed a formal secondary market. RealtyMogul: 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.
Mogul reports average yearly returns of Listed properties target 7–12% rental yield + appreciation; 12% minimum hurdle rate. RealtyMogul reports average yearly returns of Income REIT targets 6–8% annual distributions; private placements target higher IRR. Past performance does not guarantee future results.
One of the most flexible ways to invest in real estate
$50 minimums · Daily rent payouts · No lock-up periods · 24/7 exchange