Mogul vs. Roofstock 2026 Real Estate Investing Comparison

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.

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

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.

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.

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.

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

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.

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

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

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

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