Real Estate Platform Comparison· Updated July 15, 2026

Concreit 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.

★ Our Pick Concreit logo

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.

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

Concreit vs. RealtyMogul, Key Stats

$1Minimum$5,000 (REITs); $25,000–$50,000+ (private placements)

1+ year to avoid dividend forfeiture; 60-day minimum hold on new depositsHolding Period3-year minimum before penalty-free redemption (REITs); 5+ years (private placements)

Dividend forfeiture (up to ~20%) on funds withdrawn before 1 yearEarly WithdrawalQuarterly redemption with discount in years 1–3; not guaranteed

Weekly dividendsRent PayoutMonthly distributions (Income REIT); quarterly (Apartment Growth REIT)

~5.5–6.5% annualized dividend yield (variable, not guaranteed); NAV was $0.96/share as of July 2026Avg. ReturnsIncome REIT targets 6–8% annual distributions; private placements target higher IRR

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.

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

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.

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

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.

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

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.

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

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.

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 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.

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

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

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, Concreit or RealtyMogul?

★ Our Pick

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 →

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

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

Frequently Asked Questions

Concreit vs. RealtyMogul FAQ

Which is better, Concreit or RealtyMogul?

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

What is the minimum investment for Concreit vs. RealtyMogul?

Concreit's minimum investment is $1. RealtyMogul's minimum investment is $5,000 (REITs); $25,000–$50,000+ (private placements).

How do Concreit and RealtyMogul 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. 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 Concreit vs. RealtyMogul?

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. 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.

One of the most flexible ways to invest in real estate

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Real Estate Platform Comparison· Updated July 15, 2026

Concreit 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.

★ Our Pick Concreit logo

3.0

At a Glance

Concreit vs. RealtyMogul, Key Stats

$1Minimum$5,000 (REITs); $25,000–$50,000+ (private placements)

1+ year to avoid dividend forfeiture; 60-day minimum hold on new depositsHolding Period3-year minimum before penalty-free redemption (REITs); 5+ years (private placements)

Dividend forfeiture (up to ~20%) on funds withdrawn before 1 yearEarly WithdrawalQuarterly redemption with discount in years 1–3; not guaranteed

Weekly dividendsRent PayoutMonthly distributions (Income REIT); quarterly (Apartment Growth REIT)

~5.5–6.5% annualized dividend yield (variable, not guaranteed); NAV was $0.96/share as of July 2026Avg. ReturnsIncome REIT targets 6–8% annual distributions; private placements target higher IRR

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.

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

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.

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

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.

Expected Returns

Fees

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.

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.

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, Concreit or RealtyMogul?

★ Our Pick

3.0

Full Concreit review →

3.0

Full RealtyMogul review →

Bottom Line

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

Frequently Asked Questions

Concreit vs. RealtyMogul FAQ

Which is better, Concreit or RealtyMogul?

What is the minimum investment for Concreit vs. RealtyMogul?

Concreit's minimum investment is $1. RealtyMogul's minimum investment is $5,000 (REITs); $25,000–$50,000+ (private placements).

How do Concreit and RealtyMogul compare on liquidity?

What returns can investors expect from Concreit vs. RealtyMogul?

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. RealtyMogul 2026 Real Estate Investing Comparison

Concreit vs. RealtyMogul, Key Stats

What each platform does well and poorly

Detailed comparison

Which is better, Concreit or RealtyMogul?

Concreit vs. RealtyMogul FAQ

Start building generational wealth with Lofty

Concreit vs. RealtyMogul 2026 Real Estate Investing Comparison

Concreit vs. RealtyMogul, Key Stats

What each platform does well and poorly

Detailed comparison

Which is better, Concreit or RealtyMogul?

Concreit vs. RealtyMogul FAQ

Start building generational wealth with Lofty