Real Estate Platform Comparison· Updated July 15, 2026

Concreit vs. Groundfloor 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.

3.0

Concreit is a legitimate way to get real estate debt exposure with pocket change: $1 minimum, weekly dividends around 5.5–6.5% annualized, and no accreditation required. But it behaves more like a 'savings-plus' account than a real estate portfolio: the fund is small, its NAV sat at $0.96 per share as of July 2026 (below the $1.00 investors pay in at historically), withdrawals process monthly and can take 2–4 weeks, and exiting within the first year forfeits a chunk of your dividends. Reasonable for a small, liquid-ish yield sleeve; not a primary real estate investment.

★ Our Pick Groundfloor logo

4.0

Groundfloor is a strong, transparent option for investors who want short-term, real-estate-backed yield without picking properties. ~10% historical returns, zero investor fees, and 6–18 month terms are excellent, but you're a lender, not an owner, so upside is capped and default risk is real.

At a Glance

Concreit vs. Groundfloor, Key Stats

$1Minimum$10 per loan ($100 account minimum)

1+ year to avoid dividend forfeiture; 60-day minimum hold on new depositsHolding Period6–18 months (per loan term)

Dividend forfeiture (up to ~20%) on funds withdrawn before 1 yearEarly WithdrawalUnavailable, capital locked until loan repays

Weekly dividendsRent PayoutN/A, interest paid per loan terms (often deferred to maturity)

~5.5–6.5% annualized dividend yield (variable, not guaranteed); NAV was $0.96/share as of July 2026Avg. Returns~10% historical average

Pros & Cons

What each platform does well and poorly

True $1 minimum
Concreit's $1 minimum is the lowest of any active U.S. real estate investing app, making it a genuinely frictionless way to try real estate debt exposure without committing meaningful capital.
Weekly dividends
Concreit pays dividends every week, the most frequent payout cadence of any pooled real estate fund for U.S. retail investors, and the company states it has not missed a weekly distribution since inception.
First-lien debt strategy
The fund primarily holds short-duration, first-lien private real estate loans rather than equity, which puts investors higher in the capital stack and dampens (though does not eliminate) downside risk.
Transparent monthly disclosures
Concreit Fund I LLC publishes offering circulars and monthly NAV updates, so investors can verify the fund's share price and redemption activity from primary sources rather than marketing copy.
NAV sits below $1.00
Concreit's SEC filings have put NAV at $0.96 per Investor Share since at least early 2023 (including the July 2026 supplement), while much of the marketing still frames shares around $1.00. A 4% NAV haircut can wipe out most of a year's dividend yield for investors who entered at higher prices.
Withdrawals are monthly, not on-demand
Despite 'flexible liquidity' marketing, redemption requests are processed on a monthly cycle and investors commonly report 2–4 weeks before cash lands in their bank. Redemptions are also subject to fund-level caps, a standard feature of non-traded REITs that can slow exits when many investors want out at once.
Early exit forfeits dividends
Money withdrawn within the first year is subject to dividend forfeiture (up to roughly 20% of dividends earned, per the fund's redemption plan terms), and new deposits carry a 60-day minimum hold. The effective yield on short holding periods is materially lower than the headline rate.
Small fund relative to its user base
Concreit's regulatory assets under management have been reported in the single-digit millions, far smaller than its marketing (40,000+ users) implies. A small fund means concentration risk in a handful of loans and thinner cushioning when a borrower defaults.

Zero investor fees
Groundfloor charges investors nothing, no AUM, no transaction fees, no closing costs. Borrowers pay 2–4.5% origination plus closing fees, so the entire interest yield flows to investors.
$10 per-loan minimum
Investors can spread $100 across ten loans, making real diversification accessible. Groundfloor's account minimum is $100 and individual loans go down to $10.
Short hold periods (6–18 months)
Most Groundfloor loans mature in 6–18 months, dramatically shorter than the 5–7 year holds typical of equity-style platforms, making it a useful complement to longer-duration real estate.
Transparent, A–G grading
Every loan is graded A–G with corresponding interest rates and risk factors. Loan documents, project details, and borrower track records are published before funding.
Capped upside
You're a lender. If a property doubles in value, you still only earn the interest rate on the loan. None of the appreciation upside flows to investors.
Lump-sum and deferred payouts
Many loans are deferred-payment, meaning interest accrues but isn't paid until the loan is fully repaid. That hurts compounding versus monthly- or daily-payout platforms.
Default risk is real
Groundfloor's reported default rate has historically been higher than peer platforms. Recoveries through foreclosure can take time and erode returns. The collateral is the property itself.
No early withdrawal
Once you fund a loan, capital is locked until the loan repays. There's no secondary market for Groundfloor LROs.

Deep Dive

Detailed comparison

What You're Investing In

One pooled fund. There is no property picking, no deal browsing, and no customization beyond deposit amount and auto-invest cadence. Simplicity is the product.

Three core products: Groundfloor Original (individual loans graded A–G), Stairs by Groundfloor (a savings-style product paying a steady rate), and Notes (short-duration debt instruments). All are real estate debt, no equity ownership.

Property Locations

The underlying loans span U.S. residential and commercial projects; Concreit publishes portfolio composition in its SEC offering circular rather than a property-by-property browser.

Groundfloor lends in 45+ U.S. states, giving investors broad geographic diversification across one platform.

Expected Returns

Roughly 5.5–6.5% annualized in dividends in recent years, paid weekly and not guaranteed. Total return has been lower for investors who bought above the current $0.96 NAV, since share-price depreciation offsets dividend income. Past performance does not guarantee future results.

Groundfloor's historical average return is approximately 10% per year. A diversified portfolio across all available loans has historically produced around 10.7% annualized. Loans pay between roughly 5.5% (A grade) and 25%+ (G grade), and investors earn the same rate the borrower pays. Capital not deployed within 45 days returns to the investor with no interest.

Fees

An annualized fund-level management fee of approximately 1% of assets. Concreit's advisory arm has also disclosed a flat $5/month fee for accounts under $5,000 in past SEC Form CRS filings; several 2026 reviews report this small-account fee has been discontinued, so verify current terms in the app before funding a small account.

Zero investor fees. Borrowers pay 2–4.5% origination plus other closing fees, all visible inside the offering documents but not charged to investors.

Liquidity

No fixed term, but the redemption plan is built to reward 1+ year holds: new deposits carry a 60-day minimum hold and dividends are partially forfeited on withdrawals inside the first year.

Holding period equals the loan term, typically 6–18 months. Investors can target shorter durations by buying into in-progress loans.

Who Can Invest

U.S. residents 18+, no accreditation required. Everything runs through the iOS/Android app, and recurring auto-invest plans are a core feature.

Open to non-accredited and accredited U.S. investors. International investors can participate but must email support to fund accounts and meet a $5,000 minimum transfer.

The Verdict

Which is better, Concreit or Groundfloor?

3.0

Concreit does what it says: $1 minimum, weekly dividends, and a debt-first strategy that has paid consistently for years. But it is best understood as a yield product with real estate risk, not a real estate portfolio: the fund is small, NAV has drifted below $1.00, withdrawals take weeks, and early exits forfeit dividends. It can earn a small 'savings-plus' allocation for investors who want frequent income, but investors who want to own actual properties, with market-priced exits they control, should compare per-property platforms. See how Lofty compares, with $50 per-property minimums, daily rent payouts, and a 24/7 secondary marketplace.

Full Concreit review →

★ Our Pick

4.0

Groundfloor is one of the cleanest options in real estate crowdfunding. Zero investor fees, ~10% historical returns, short 6–18 month durations, and full transparency on every loan make it a strong fit for investors who want yield backed by real estate without picking properties or signing up for a 5+ year lock-up. The trade-off is real: you're a lender with capped upside and default exposure, not an owner with a stake in appreciation.

Full Groundfloor review →

Bottom Line

Groundfloor scores higher (4.0/5) and edges out Concreit on our investment quality criteria.

Frequently Asked Questions

Concreit vs. Groundfloor FAQ

Which is better, Concreit or Groundfloor?

Based on our scoring criteria, returns, fees, liquidity, transparency, minimums, and track record, Groundfloor (4.0/5) scores higher than Concreit (3.0/5). Groundfloor is a strong, transparent option for investors who want short-term, real-estate-backed yield without picking properties. ~10% historical returns, zero investor fees, and 6–18 month terms are excellent, but you're a lender, not an owner, so upside is capped and default risk is real.

What is the minimum investment for Concreit vs. Groundfloor?

Concreit's minimum investment is $1. Groundfloor's minimum investment is $10 per loan ($100 account minimum).

How do Concreit and Groundfloor compare on liquidity?

Concreit: No fixed term, but the redemption plan is built to reward 1+ year holds: new deposits carry a 60-day minimum hold and dividends are partially forfeited on withdrawals inside the first year. Groundfloor: Holding period equals the loan term, typically 6–18 months. Investors can target shorter durations by buying into in-progress loans.

What returns can investors expect from Concreit vs. Groundfloor?

Concreit reports average yearly returns of ~5.5–6.5% annualized dividend yield (variable, not guaranteed); NAV was $0.96/share as of July 2026. Groundfloor reports average yearly returns of ~10% historical average. Past performance does not guarantee future results.

One of the most flexible ways to invest in real estate

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$50 minimums · Daily rent payouts · No lock-up periods · 24/7 exchange

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Real Estate Platform Comparison· Updated July 15, 2026

Concreit vs. Groundfloor 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.

3.0

★ Our Pick Groundfloor logo

4.0

At a Glance

Concreit vs. Groundfloor, Key Stats

$1Minimum$10 per loan ($100 account minimum)

1+ year to avoid dividend forfeiture; 60-day minimum hold on new depositsHolding Period6–18 months (per loan term)

Dividend forfeiture (up to ~20%) on funds withdrawn before 1 yearEarly WithdrawalUnavailable, capital locked until loan repays

Weekly dividendsRent PayoutN/A, interest paid per loan terms (often deferred to maturity)

~5.5–6.5% annualized dividend yield (variable, not guaranteed); NAV was $0.96/share as of July 2026Avg. Returns~10% historical average

Pros & Cons

What each platform does well and poorly

True $1 minimum
Concreit's $1 minimum is the lowest of any active U.S. real estate investing app, making it a genuinely frictionless way to try real estate debt exposure without committing meaningful capital.
Weekly dividends
Concreit pays dividends every week, the most frequent payout cadence of any pooled real estate fund for U.S. retail investors, and the company states it has not missed a weekly distribution since inception.
First-lien debt strategy
The fund primarily holds short-duration, first-lien private real estate loans rather than equity, which puts investors higher in the capital stack and dampens (though does not eliminate) downside risk.
Transparent monthly disclosures
Concreit Fund I LLC publishes offering circulars and monthly NAV updates, so investors can verify the fund's share price and redemption activity from primary sources rather than marketing copy.
NAV sits below $1.00
Concreit's SEC filings have put NAV at $0.96 per Investor Share since at least early 2023 (including the July 2026 supplement), while much of the marketing still frames shares around $1.00. A 4% NAV haircut can wipe out most of a year's dividend yield for investors who entered at higher prices.
Withdrawals are monthly, not on-demand
Despite 'flexible liquidity' marketing, redemption requests are processed on a monthly cycle and investors commonly report 2–4 weeks before cash lands in their bank. Redemptions are also subject to fund-level caps, a standard feature of non-traded REITs that can slow exits when many investors want out at once.
Early exit forfeits dividends
Money withdrawn within the first year is subject to dividend forfeiture (up to roughly 20% of dividends earned, per the fund's redemption plan terms), and new deposits carry a 60-day minimum hold. The effective yield on short holding periods is materially lower than the headline rate.
Small fund relative to its user base
Concreit's regulatory assets under management have been reported in the single-digit millions, far smaller than its marketing (40,000+ users) implies. A small fund means concentration risk in a handful of loans and thinner cushioning when a borrower defaults.

Zero investor fees
Groundfloor charges investors nothing, no AUM, no transaction fees, no closing costs. Borrowers pay 2–4.5% origination plus closing fees, so the entire interest yield flows to investors.
$10 per-loan minimum
Investors can spread $100 across ten loans, making real diversification accessible. Groundfloor's account minimum is $100 and individual loans go down to $10.
Short hold periods (6–18 months)
Most Groundfloor loans mature in 6–18 months, dramatically shorter than the 5–7 year holds typical of equity-style platforms, making it a useful complement to longer-duration real estate.
Transparent, A–G grading
Every loan is graded A–G with corresponding interest rates and risk factors. Loan documents, project details, and borrower track records are published before funding.
Capped upside
You're a lender. If a property doubles in value, you still only earn the interest rate on the loan. None of the appreciation upside flows to investors.
Lump-sum and deferred payouts
Many loans are deferred-payment, meaning interest accrues but isn't paid until the loan is fully repaid. That hurts compounding versus monthly- or daily-payout platforms.
Default risk is real
Groundfloor's reported default rate has historically been higher than peer platforms. Recoveries through foreclosure can take time and erode returns. The collateral is the property itself.
No early withdrawal
Once you fund a loan, capital is locked until the loan repays. There's no secondary market for Groundfloor LROs.

Deep Dive

Detailed comparison

What You're Investing In

One pooled fund. There is no property picking, no deal browsing, and no customization beyond deposit amount and auto-invest cadence. Simplicity is the product.

Property Locations

The underlying loans span U.S. residential and commercial projects; Concreit publishes portfolio composition in its SEC offering circular rather than a property-by-property browser.

Groundfloor lends in 45+ U.S. states, giving investors broad geographic diversification across one platform.

Expected Returns

Fees

Zero investor fees. Borrowers pay 2–4.5% origination plus other closing fees, all visible inside the offering documents but not charged to investors.

Liquidity

No fixed term, but the redemption plan is built to reward 1+ year holds: new deposits carry a 60-day minimum hold and dividends are partially forfeited on withdrawals inside the first year.

Holding period equals the loan term, typically 6–18 months. Investors can target shorter durations by buying into in-progress loans.

Who Can Invest

U.S. residents 18+, no accreditation required. Everything runs through the iOS/Android app, and recurring auto-invest plans are a core feature.

Open to non-accredited and accredited U.S. investors. International investors can participate but must email support to fund accounts and meet a $5,000 minimum transfer.

The Verdict

Which is better, Concreit or Groundfloor?

3.0

Full Concreit review →

★ Our Pick

4.0

Full Groundfloor review →

Bottom Line

Groundfloor scores higher (4.0/5) and edges out Concreit on our investment quality criteria.

Frequently Asked Questions

Concreit vs. Groundfloor FAQ

Which is better, Concreit or Groundfloor?

What is the minimum investment for Concreit vs. Groundfloor?

Concreit's minimum investment is $1. Groundfloor's minimum investment is $10 per loan ($100 account minimum).

How do Concreit and Groundfloor compare on liquidity?

What returns can investors expect from Concreit vs. Groundfloor?

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

Concreit vs. Groundfloor 2026 Real Estate Investing Comparison

Concreit vs. Groundfloor, Key Stats

What each platform does well and poorly

Detailed comparison

Which is better, Concreit or Groundfloor?

Concreit vs. Groundfloor FAQ

Start building generational wealth with Lofty

Concreit vs. Groundfloor 2026 Real Estate Investing Comparison

Concreit vs. Groundfloor, Key Stats

What each platform does well and poorly

Detailed comparison

Which is better, Concreit or Groundfloor?

Concreit vs. Groundfloor FAQ

Start building generational wealth with Lofty