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Real Estate Platform Comparison· Updated May 5, 2026

RealT vs. RealtyMogul 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.

RealT logo
2.5

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).

★ Our PickRealtyMogul logo
3.0

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

RealT vs. RealtyMogul — Key Stats

RealT logo
RealtyMogul logo
~$50 per token (when accessible); not currently available to U.S. investorsMinimum$5,000 (REITs); $25,000–$50,000+ (private placements)
No fixed lock-up; secondary market available on third-party DEXs (non-U.S.)Holding Period3-year minimum before penalty-free redemption (REITs); 5+ years (private placements)
No platform-imposed penalty; secondary sales depend on third-party market liquidityEarly WithdrawalQuarterly redemption with discount in years 1–3; not guaranteed
Weekly (paid in xDai / USDC on Gnosis Chain)Rent PayoutMonthly distributions (Income REIT); quarterly (Apartment Growth REIT)
Historical net rental yields ~6–10% per property; total returns vary by property and marketAvg. ReturnsIncome REIT targets 6–8% annual distributions; private placements target higher IRR

Pros & Cons

What each platform does well and poorly

RealT logo
  • ✓

    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.

RealtyMogul logo
  • ✓

    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

Detailed comparison

RealT logo
RealtyMogul logo

What You're Investing In

Individual U.S. single-family rental properties, fractionalized into RealTokens. Each property typically has its own RealToken contract on the Gnosis Chain or Ethereum.

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

Primarily Detroit, with significant exposure to Cleveland, Chicago, Memphis, and other Midwest cash-flow markets.

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

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.

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

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.

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

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.

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

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.

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

Which is better — RealT or RealtyMogul?

RealT logo
2.5

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 →
★ Our Pick
RealtyMogul logo
3.0

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

RealtyMogul scores higher (3.0/5) and edges out RealT on our investment quality criteria.

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.

Frequently Asked Questions

RealT vs. RealtyMogul FAQ

Which is better — RealT or RealtyMogul?+

Based on our scoring criteria — returns, fees, liquidity, transparency, minimums, and track record — RealtyMogul (3.0/5) scores higher than RealT (2.5/5). 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.

What is the minimum investment for RealT vs. RealtyMogul?+

RealT's minimum investment is ~$50 per token (when accessible); not currently available to U.S. investors. RealtyMogul's minimum investment is $5,000 (REITs); $25,000–$50,000+ (private placements).

How do RealT and RealtyMogul compare on liquidity?+

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. 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.

What returns can investors expect from RealT vs. RealtyMogul?+

RealT reports average yearly returns of Historical net rental yields ~6–10% per property; total returns vary by property and market. 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.

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Disclosures

This site is operated by Lofty AI, Inc., which is not a registered broker-dealer or investment advisor. Lofty AI, Inc. does not provide investment advice, endorsement or recommendations with respect to any properties listed on this site. Nothing on this website should be construed as an offer to sell, solicitation of an offer to buy or a recommendation in respect of a security. You are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult with licensed legal professionals and investment advisors for any legal, tax, insurance or investment advice. Lofty AI, Inc. does not guarantee any investment performance, outcome or return of capital for any investment opportunity posted on this site. By accessing this site and any pages thereof, you agree to be bound by the Terms of Service and Privacy Policy.

All investments involve risk and may result in partial or total loss. By accessing this site, investors understand and acknowledge 1) that investing in real estate, like investing in other fields, is risky and unpredictable; 2) that the real estate industry has its ups and downs; 3) that the real property you invest in might not result in a positive cash flow or perform as you expected; and 4) that the value of any real property you invest in may decline at any time and the future property value is unpredictable. Before making an investment decision, prospective investors are advised to review all available information and consult with their tax and legal advisors. Lofty AI does not provide investment advice or recommendations regarding any offering posted on this website.

Any investment-related information contained herein has been secured from sources that Lofty AI believes to be reliable, but we make no representations or warranties as to the accuracy or completeness of such information and accept no liability therefore. Hyperlinks to third-party sites, or reproduction of third-party articles, do not constitute an approval or endorsement by Lofty AI of the linked or reproduced content.

Lofty Marketplace trades are completed using USD Coin (USDC cryptocurrency) and smart contracts on a blockchain. If you use a payment method other than USDC to submit a buy order for a traded property, then you agree to purchase an equivalent quantity of USDC at the then current exchange rate. That is, you agree that your currency will be converted to USDC, and your buy order will be executed using USDC. USDC is a 1:1 representation of the US dollar on the blockchain that may fluctuate in value. In the event that your order is cancelled or expires, any unspent USDC will be returned to your Lofty Wallet. If you later submit a sell order for your property shares, and your sell order is filled, you will receive payment in USDC which can be converted to USD via third party cryptocurrency exchanges.

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