Lofty is a fractional U.S. real estate investing platform where visitors can browse property shares, learn about rental property investing, review calculators and guides, and access support for marketplace orders and account activity.
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Real Estate Platform Comparison· Updated July 15, 2026
A side-by-side breakdown of returns, liquidity, fees, and trustworthiness to help you decide where to invest your money.

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.

Landa pioneered $5 fractional shares of single-family rentals, but the platform has been effectively frozen since spring 2025: no deposits, no secondary trading, and halted dividends for many investors. A New York court placed 119 Landa properties under an independent manager in February 2025 amid a lawsuit over $35M+ in defaulted loans, and Landa's own SEC filings have since flagged substantial doubt about its ability to continue as a going concern. Do not deposit new money. Existing investors should treat this as a wind-down and monitor SEC filings.
At a Glance


Pros & Cons

$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.

Lowest historical entry price
Landa's signature feature was $5 share prices, which made it one of the most accessible fractional real estate platforms ever launched, and proved real demand for low-minimum property investing.
Sun Belt single-family focus
Landa concentrated on cash-flowing single-family rental markets that remain popular with rental investors: Atlanta, Tampa, Orlando, Charlotte, Birmingham, and Jacksonville, plus a Brooklyn portfolio.
Publicly documented offerings
Landa raised capital through Regulation A offerings, which means its financials and current wind-down activity remain publicly documented in SEC filings that investors can still monitor today.
Series LLC structure
Each Landa property is held in its own series LLC. In the current wind-down, that structure is what ties each investor's claim to a specific property rather than to the parent company alone.
Platform frozen: no deposits, trading, or withdrawals
Landa's app and investor portal have been effectively non-functional since around April 2025, per TechCrunch's investigation. The site states there are no active offerings and that deposits and secondary trading are paused. Many investors report halted dividends going back to late 2024, and 130+ complaints have been filed with the Better Business Bureau.
$35M+ lender lawsuit and court-appointed independent manager
In November 2024, lenders Viola Credit and L Finance sued Landa in New York State Supreme Court over more than $35 million in defaulted loans. In February 2025 the court placed 119 Landa properties under an independent manager, and court filings allege Landa diverted roughly $724,000 in tenant rent to accounts outside the court's injunction.
Going-concern doubt in Landa's own SEC filings
Landa's SEC filings through 2026 include a steady stream of foreclosure and property-disposition reports, and its auditors have flagged substantial doubt about the company's ability to continue as a going concern.
Existing investors have no exit and no timeline
With the secondary market closed, current holders cannot sell shares on-platform, and Landa has published no restart timeline. Practically, existing investors are positioned closer to creditors in a wind-down than customers of a functioning platform.
Deep Dive
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, currently. Historically: fractional shares of single-family rental homes in U.S. Sun Belt markets. No offerings are active as of 2026.
Property Locations
Properties span 10+ U.S. states with concentration in growth markets. Specific market mix varies by listing.
Atlanta, Tampa, Orlando, Charlotte, Birmingham, Jacksonville, and Brooklyn portfolios, 119 of these properties are now under court-appointed independent management.
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.
N/A, dividends have been halted for many investors since late 2024 or early 2025, and no returns are being generated for shareholders while properties are foreclosed or sold in the wind-down. Historical dividend yields ranged roughly 3–6% and varied widely by property. 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.
Landa historically earned revenue through property management markups and series-level operating expenses rather than an investor-facing platform fee. Fee structure is moot while the platform is frozen.
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 secondary market is closed and there is no on-platform way to sell.
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, currently, Landa is not accepting new investors or deposits while the platform is frozen.
The Verdict

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 →
Landa is not an investable platform in 2026. The app is frozen, dividends are halted for many holders, 119 properties sit under court-appointed management amid a $35M+ lender lawsuit, and the company's own SEC filings flag going-concern doubt. Prospective investors should not deposit money. Existing investors should document their holdings, monitor SEC EDGAR and the New York court docket, and treat recovery as uncertain. Investors who still want fractional single-family exposure should evaluate platforms on the exact points where Landa failed: investor liquidity that doesn't depend on the platform's discretion, current audited disclosures, and clean separation between investor assets and platform debt. See how Lofty compares on those criteria, or review alternatives like Arrived and Ark7.
Full Landa review →Bottom Line
Ark7 scores higher (3.0/5) and edges out Landa on our investment quality criteria.
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.
Frequently Asked Questions
Based on our scoring criteria, returns, fees, liquidity, transparency, minimums, and track record, Ark7 (3.0/5) scores higher than Landa (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.
Ark7's minimum investment is $20 (secondary market) / $100 (new offerings). Landa's minimum investment is $5 (historical, no new investments accepted).
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. Landa: Indefinite. The secondary market is closed and there is no on-platform way to sell.
Ark7 reports average yearly returns of Varies by property; portfolio occupancy ~95% in 2025. Landa reports average yearly returns of N/A, dividends halted; historical yields were ~3–6% and highly variable. 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