Real Estate Platform Comparison· Updated July 15, 2026

Ark7 vs. DiversyFund 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.

★ Our Pick Ark7 logo

3.0

Ark7 is one of the most accessible fractional rental platforms with $20 secondary-market shares and a SEC-registered ATS, but a 12-month hold before resale, monthly dividends, and layered fees mean investors should model net returns carefully.

1.5

DiversyFund marketed a $500-minimum, non-accredited growth REIT that reinvested all cash flow instead of paying regular dividends. The product you may remember no longer exists for new investors: the SEC permanently suspended the second fund's Regulation A exemption in June 2023 (a settled order with no fines and no admission of wrongdoing), the original fund's SEC filings show mounting losses and minimal distributions ($11,822 paid to all investors in the first half of 2025), and a shareholder lawsuit continues with three surviving claims after a June 2025 ruling. The company now markets a separate accredited-only fund. Existing investors are effectively waiting on asset sales with no redemption option.

At a Glance

Ark7 vs. DiversyFund, Key Stats

$20 (secondary market) / $100 (new offerings)Minimum$500 (historical, closed)

12-month minimum hold before secondary tradingHolding PeriodIndefinite: no redemption program, investors wait for asset sales

Cannot sell during first 12 monthsEarly WithdrawalN/A: there has never been an early withdrawal option

MonthlyRent PayoutMinimal (SEC filings show $525,872 paid in all of 2024 and $11,822 in H1 2025 across the entire investor base)

Varies by property; portfolio occupancy ~95% in 2025Avg. ReturnsN/A for new investors; REIT I reported a $7.9M net loss in 2024 and a $2.4M net loss in H1 2025 per SEC filings

Pros & Cons

What each platform does well and poorly

$20 secondary-market shares
Once a property is past its 12-month hold, investors can buy shares for as little as $20 each, the lowest per-share entry point in the fractional rental space.
Monthly dividend distributions
Ark7 pays dividends on the 3rd of each month, more frequent than the quarterly cadence used by most competing fractional platforms.
SEC-registered PPEX ATS secondary market
Ark7's secondary market runs on a SEC-registered Alternative Trading System, giving it more regulatory scaffolding than informal redemption windows used by some peers.
Per-property LLC structure
Each property is held in its own LLC, so liabilities of one property don't bleed into others, standard but worth confirming on any fractional platform.
12-month lock-up before resale
Investors cannot sell shares on the secondary market for the first 12 months after the initial offering. Capital is locked for a full year before any exit option is available.
Layered fees compress returns
Ark7 charges a 3% sourcing fee, plus 8–15% of monthly rental income for property management. Short-term rentals carry higher property-management percentages, which can materially reduce investor net yield.
IRA fees scale with property count
Holding Ark7 investments in an IRA costs $100 per property per year (capped at $400/year). For an investor diversifying across many properties, this fee adds up.
Smaller, earlier-stage platform
Ark7 is still a relatively small venture-backed platform with a more modest balance sheet than scaled peers. The platform appears stable today, but as with any earlier-stage operator, normal startup-stage business risk is worth weighing alongside the property-level economics.

Real multifamily assets in the portfolio
DF Growth REIT's SEC filings show roughly $66.8 million in rental real estate (net of depreciation) and $97.9 million in total assets as of June 30, 2025. Unlike some failed platforms, there is a real, reported portfolio behind investor shares.
Current SEC reporting
DiversyFund's funds still file semiannual and annual reports with the SEC, so investors can track the portfolio, cash position, and litigation status through primary sources rather than marketing updates.
Low minimum brought new investors into real estate
The original $500 minimum with no accreditation requirement made private multifamily investing accessible to people who had never had access before, and helped prove demand for low-minimum real estate products.
SEC matter resolved without fines or fraud findings
The SEC's June 2023 order permanently suspended REIT II's Regulation A exemption, but the settlement imposed no fines or penalties, and in August 2023 the SEC closed its investigation without recommending enforcement action against the company, its funds, or its principals.
The original product is closed and there is no way in or out
REIT II's offering ended in 2022 and its Regulation A exemption was permanently suspended in June 2023. The original growth REITs never offered a redemption program, so existing investors cannot withdraw; they are waiting on property sales that have not yet returned meaningful capital.
Mounting losses and a thin cash position
Per the fund's own SEC filing for the first half of 2025, DF Growth REIT reported a $2.38 million net loss for the period (after a $7.9 million net loss in 2024), an accumulated deficit of $26.3 million, and cash of $305,385, down from $1.95 million at the end of 2024.
Ongoing shareholder litigation
A shareholder suit filed in December 2022 against the funds, DiversyFund, Inc., and its principals was largely dismissed in April 2024, but after an amended complaint, a June 2025 ruling allowed three claims to proceed. The company disputes the claims and says it will contest them; the parties were preparing for discovery as of the fund's most recent filing.
Pivot to a high-minimum accredited fund
While original investors wait, DiversyFund now markets a separate fund for accredited investors with dramatically higher minimums. The $500-minimum retail product that built the brand is not available to new investors.

Deep Dive

Detailed comparison

What You're Investing In

Individual U.S. single-family and small multi-family rental homes, fractionalized into shares. Investors can buy shares from new property offerings or, after the 12-month hold, from other investors on the SEC-registered ATS secondary market.

Nothing, at the original entry point. The $500-minimum growth REITs are closed. The current DiversyFund offering is accredited-only with a much higher minimum.

Property Locations

Properties span 10+ U.S. states with concentration in growth markets. Specific market mix varies by listing.

Value-add multifamily properties in various U.S. markets, held directly and through joint ventures.

Expected Returns

Returns vary by property and depend heavily on local rental performance. Recent platform updates report ~95% portfolio occupancy and cumulative dividends measured in the millions of dollars. Each property page lists projected dividend yield and projected appreciation. Past performance does not guarantee future results.

For existing growth REIT investors, returns depend on eventual asset sales. The funds reinvested cash flow by design, so there was never meaningful income along the way, and recent filings show losses: a $7.9 million net loss in 2024 and a $2.4 million net loss in the first half of 2025 for DF Growth REIT, with an accumulated deficit of $26.3 million. Past performance does not guarantee future results.

Fees

3% one-time sourcing fee at acquisition. 8–15% of monthly rental income for third-party property management (varies by long-term vs short-term rental). No commission on secondary market trades. IRA accounts: $100 per property per year, capped at $400/year.

The funds paid management and other fees to affiliates of the sponsor, detailed in offering circulars and annual reports. The SEC's 2023 order cited inaccurate statements about fees on the DiversyFund website relative to REIT II's offering documents.

Liquidity

Investors cannot sell shares for the first 12 months after a property's initial offering. After that, shares can be listed on Ark7's SEC-registered PPEX ATS secondary market.

Indefinite. The growth REITs never had a redemption program, and the eventual liquidation has not yet returned meaningful capital to investors.

Who Can Invest

Open to U.S. investors aged 18 or older. No accreditation required for most listings. IRA accounts are supported with a per-property annual fee.

No one, for the original product: the growth REITs are closed to new investment. The company's current offering is limited to accredited investors at much higher minimums.

The Verdict

Which is better, Ark7 or DiversyFund?

★ Our Pick

3.0

Ark7 is a credible fractional rental platform with a unique combination of monthly dividends, a SEC-registered ATS secondary market, and the lowest per-share minimum in the space at $20. The 12-month hold before resale, layered management fees, and relatively small total AUM mean it works best as one piece of a diversified fractional portfolio rather than a primary holding. Investors who want immediate secondary liquidity, lower fees, or true daily payouts should compare against alternatives.

Full Ark7 review →

1.5

DiversyFund is not an option for new retail investors, and that is the most important fact about it: the $500-minimum product that made the brand famous is closed, and its successor fund is accredited-only. Existing growth REIT investors hold shares in funds whose own filings show mounting losses, minimal distributions, thin cash, and unresolved litigation, with no redemption mechanism while they wait. Investors drawn to low-minimum real estate should study the structural lesson here before choosing any platform: products that defer all returns to a sponsor-controlled liquidation leave you with no income and no exit if the plan slips. Platforms with investor-controlled liquidity and regular distributions, such as Lofty, Fundrise, or Arrived, put structurally more control in investors' hands, though each has its own trade-offs worth comparing.

Full DiversyFund review →

Bottom Line

Ark7 scores higher (3.0/5) and edges out DiversyFund on our investment quality criteria.

Frequently Asked Questions

Ark7 vs. DiversyFund FAQ

Which is better, Ark7 or DiversyFund?

Based on our scoring criteria, returns, fees, liquidity, transparency, minimums, and track record, Ark7 (3.0/5) scores higher than DiversyFund (1.5/5). Ark7 is one of the most accessible fractional rental platforms with $20 secondary-market shares and a SEC-registered ATS, but a 12-month hold before resale, monthly dividends, and layered fees mean investors should model net returns carefully.

What is the minimum investment for Ark7 vs. DiversyFund?

Ark7's minimum investment is $20 (secondary market) / $100 (new offerings). DiversyFund's minimum investment is $500 (historical, closed).

How do Ark7 and DiversyFund compare on liquidity?

Ark7: Investors cannot sell shares for the first 12 months after a property's initial offering. After that, shares can be listed on Ark7's SEC-registered PPEX ATS secondary market. DiversyFund: Indefinite. The growth REITs never had a redemption program, and the eventual liquidation has not yet returned meaningful capital to investors.

What returns can investors expect from Ark7 vs. DiversyFund?

Ark7 reports average yearly returns of Varies by property; portfolio occupancy ~95% in 2025. DiversyFund reports average yearly returns of N/A for new investors; REIT I reported a $7.9M net loss in 2024 and a $2.4M net loss in H1 2025 per SEC filings. 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

View Properties

Real Estate Platform Comparison· Updated July 15, 2026

Ark7 vs. DiversyFund 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.

★ Our Pick Ark7 logo

3.0

1.5

At a Glance

Ark7 vs. DiversyFund, Key Stats

$20 (secondary market) / $100 (new offerings)Minimum$500 (historical, closed)

12-month minimum hold before secondary tradingHolding PeriodIndefinite: no redemption program, investors wait for asset sales

Cannot sell during first 12 monthsEarly WithdrawalN/A: there has never been an early withdrawal option

MonthlyRent PayoutMinimal (SEC filings show $525,872 paid in all of 2024 and $11,822 in H1 2025 across the entire investor base)

Varies by property; portfolio occupancy ~95% in 2025Avg. ReturnsN/A for new investors; REIT I reported a $7.9M net loss in 2024 and a $2.4M net loss in H1 2025 per SEC filings

Pros & Cons

What each platform does well and poorly

$20 secondary-market shares
Once a property is past its 12-month hold, investors can buy shares for as little as $20 each, the lowest per-share entry point in the fractional rental space.
Monthly dividend distributions
Ark7 pays dividends on the 3rd of each month, more frequent than the quarterly cadence used by most competing fractional platforms.
SEC-registered PPEX ATS secondary market
Ark7's secondary market runs on a SEC-registered Alternative Trading System, giving it more regulatory scaffolding than informal redemption windows used by some peers.
Per-property LLC structure
Each property is held in its own LLC, so liabilities of one property don't bleed into others, standard but worth confirming on any fractional platform.
12-month lock-up before resale
Investors cannot sell shares on the secondary market for the first 12 months after the initial offering. Capital is locked for a full year before any exit option is available.
Layered fees compress returns
Ark7 charges a 3% sourcing fee, plus 8–15% of monthly rental income for property management. Short-term rentals carry higher property-management percentages, which can materially reduce investor net yield.
IRA fees scale with property count
Holding Ark7 investments in an IRA costs $100 per property per year (capped at $400/year). For an investor diversifying across many properties, this fee adds up.
Smaller, earlier-stage platform
Ark7 is still a relatively small venture-backed platform with a more modest balance sheet than scaled peers. The platform appears stable today, but as with any earlier-stage operator, normal startup-stage business risk is worth weighing alongside the property-level economics.

Real multifamily assets in the portfolio
DF Growth REIT's SEC filings show roughly $66.8 million in rental real estate (net of depreciation) and $97.9 million in total assets as of June 30, 2025. Unlike some failed platforms, there is a real, reported portfolio behind investor shares.
Current SEC reporting
DiversyFund's funds still file semiannual and annual reports with the SEC, so investors can track the portfolio, cash position, and litigation status through primary sources rather than marketing updates.
Low minimum brought new investors into real estate
The original $500 minimum with no accreditation requirement made private multifamily investing accessible to people who had never had access before, and helped prove demand for low-minimum real estate products.
SEC matter resolved without fines or fraud findings
The SEC's June 2023 order permanently suspended REIT II's Regulation A exemption, but the settlement imposed no fines or penalties, and in August 2023 the SEC closed its investigation without recommending enforcement action against the company, its funds, or its principals.
The original product is closed and there is no way in or out
REIT II's offering ended in 2022 and its Regulation A exemption was permanently suspended in June 2023. The original growth REITs never offered a redemption program, so existing investors cannot withdraw; they are waiting on property sales that have not yet returned meaningful capital.
Mounting losses and a thin cash position
Per the fund's own SEC filing for the first half of 2025, DF Growth REIT reported a $2.38 million net loss for the period (after a $7.9 million net loss in 2024), an accumulated deficit of $26.3 million, and cash of $305,385, down from $1.95 million at the end of 2024.
Ongoing shareholder litigation
A shareholder suit filed in December 2022 against the funds, DiversyFund, Inc., and its principals was largely dismissed in April 2024, but after an amended complaint, a June 2025 ruling allowed three claims to proceed. The company disputes the claims and says it will contest them; the parties were preparing for discovery as of the fund's most recent filing.
Pivot to a high-minimum accredited fund
While original investors wait, DiversyFund now markets a separate fund for accredited investors with dramatically higher minimums. The $500-minimum retail product that built the brand is not available to new investors.

Deep Dive

Detailed comparison

What You're Investing In

Nothing, at the original entry point. The $500-minimum growth REITs are closed. The current DiversyFund offering is accredited-only with a much higher minimum.

Property Locations

Properties span 10+ U.S. states with concentration in growth markets. Specific market mix varies by listing.

Value-add multifamily properties in various U.S. markets, held directly and through joint ventures.

Expected Returns

Fees

Liquidity

Investors cannot sell shares for the first 12 months after a property's initial offering. After that, shares can be listed on Ark7's SEC-registered PPEX ATS secondary market.

Indefinite. The growth REITs never had a redemption program, and the eventual liquidation has not yet returned meaningful capital to investors.

Who Can Invest

Open to U.S. investors aged 18 or older. No accreditation required for most listings. IRA accounts are supported with a per-property annual fee.

No one, for the original product: the growth REITs are closed to new investment. The company's current offering is limited to accredited investors at much higher minimums.

The Verdict

Which is better, Ark7 or DiversyFund?

★ Our Pick

3.0

Full Ark7 review →

1.5

Full DiversyFund review →

Bottom Line

Ark7 scores higher (3.0/5) and edges out DiversyFund on our investment quality criteria.

Frequently Asked Questions

Ark7 vs. DiversyFund FAQ

Which is better, Ark7 or DiversyFund?

What is the minimum investment for Ark7 vs. DiversyFund?

Ark7's minimum investment is $20 (secondary market) / $100 (new offerings). DiversyFund's minimum investment is $500 (historical, closed).

How do Ark7 and DiversyFund compare on liquidity?

What returns can investors expect from Ark7 vs. DiversyFund?

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

View Properties

About Lofty

Ark7 vs. DiversyFund 2026 Real Estate Investing Comparison

Ark7 vs. DiversyFund, Key Stats

What each platform does well and poorly

Detailed comparison

Which is better, Ark7 or DiversyFund?

Ark7 vs. DiversyFund FAQ

Start building generational wealth with Lofty

Ark7 vs. DiversyFund 2026 Real Estate Investing Comparison

Ark7 vs. DiversyFund, Key Stats

What each platform does well and poorly

Detailed comparison

Which is better, Ark7 or DiversyFund?

Ark7 vs. DiversyFund FAQ

Start building generational wealth with Lofty