Roofstock vs. Yieldstreet (Willow Wealth) 2026 Real Estate Investing Comparison

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

Direct deals across real estate equity, real estate debt, private credit, art, legal finance, venture capital, and structured notes. Plus the Alternative Income Fund (open to non-accredited) and Willow 360 managed portfolios (accredited only).

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.

Real estate deals are sourced across U.S. markets with a mix of commercial and multifamily exposure. Specific geographies vary deal-by-deal.

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.

Yieldstreet (Willow Wealth) reports a historical net annualized return of approximately 7.4% since 2015 — a figure built primarily during the Yieldstreet era. Realized performance varies dramatically by asset class and individual deal. Independent reviews note a 30%+ real estate default rate that materially increases risk-adjusted return calculations.

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.

1–4% annual management fees, depending on offering. Many deals also carry first-year setup fees (~$100–$150 per SPV or note) plus administrative fees of approximately 0.5%. Originator fees on some deals add another 0.5%.

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

Varies by deal. Notes can mature in months; real estate deals run multiple years; venture capital and legal finance can extend longer. Most offerings are illiquid by design.

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

Most direct offerings are limited to accredited investors. The Alternative Income Fund (formerly Prism Fund) accepts non-accredited investors with a $10,000 minimum. Willow 360 managed portfolios require accredited status with a $25,000 minimum.