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Real Estate Platform Comparison· Updated July 15, 2026
DiversyFund vs. Yieldstreet (Willow Wealth) 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.
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.
Yieldstreet, now Willow Wealth, is one of the largest alternative-investment marketplaces in the U.S., with $6 billion+ cumulative invested across real estate, private credit, art, and venture. But ~$208M in cumulative investor losses, a 30%+ real estate default rate, and a recent rebrand make it hard to recommend without significant caveats.
At a Glance
DiversyFund vs. Yieldstreet (Willow Wealth), Key Stats
Pros & Cons
What each platform does well and poorly
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.
Broad alternative-asset access
Real estate, private credit, art, venture capital, legal finance, and structured products on one platform, useful for accredited investors who want diversification across multiple alt-asset classes.
Institutional fund partnerships
Through Willow 360, accredited investors can access funds from Carlyle, Goldman Sachs, and StepStone in a managed-portfolio format, institutional access typical retail investors can't get directly.
Long track record
The platform has 500,000+ members and $6 billion+ cumulative invested since 2015, by far the largest alternative-investment retail brand in our comparison set.
Cumulative investor losses reported in the press
CNBC reporting in late 2025 totaled approximately $208 million of cumulative investor losses across the Yieldstreet platform, combining $41M in new Houston/Nashville real estate defaults disclosed in December, $89M in marine-loan wipeouts disclosed in September, and $78M in previously reported losses. The company rebranded to Willow Wealth in October 2025.
Elevated real estate default rate per independent reviewers
Independent reviewers (notably the Real Estate Crowdfunding Review) have estimated the platform's real estate portfolio default rate at roughly 30%, materially higher than the 2–8% range typical of peer platforms. Real estate exposure here has historically been riskier than many peer platforms.
Accredited-only on most offerings
Most direct deals are limited to accredited investors. The Alternative Income Fund (Prism Fund) is the main option for non-accredited investors but represents a small slice of the platform's offerings.
Layered fees
Annual management fees range from 1% to 4% depending on offering. Many deals also charge first-year setup fees ($100–$150 per SPV/note) and administrative fees on top.
Rebrand complicates research
The October 2025 rebrand from Yieldstreet to Willow Wealth means many older reviews still reference the old brand. Some historical performance disclosures were reorganized after the rebrand, making apples-to-apples comparison harder.
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.
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).
Property Locations
Value-add multifamily properties in various U.S. markets, held directly and through joint ventures.
Real estate deals are sourced across U.S. markets with a mix of commercial and multifamily exposure. Specific geographies vary deal-by-deal.
Expected Returns
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.
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.
Fees
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.
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%.
Liquidity
Indefinite. The growth REITs never had a redemption program, and the eventual liquidation has not yet returned meaningful capital to investors.
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.
Who Can Invest
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.
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.
The Verdict
Which is better, DiversyFund or Yieldstreet (Willow Wealth)?
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 →Yieldstreet, now Willow Wealth, is one of the largest alternative-investment platforms in the U.S. with a genuine breadth of asset classes other platforms can't match. But cumulative investor losses of ~$208 million, a 30%+ real estate default rate, the recent rebrand, and the post-rebrand reorganization of historical performance data make it a platform to approach with significant caution. Investors who want straightforward fractional real estate exposure will find better fit at smaller, more focused platforms.
Full Yieldstreet (Willow Wealth) review →Bottom Line
Yieldstreet (Willow Wealth) scores higher (2.0/5) and edges out DiversyFund on our investment quality criteria.
Yieldstreet, now Willow Wealth, is one of the largest alternative-investment marketplaces in the U.S., with $6 billion+ cumulative invested across real estate, private credit, art, and venture. But ~$208M in cumulative investor losses, a 30%+ real estate default rate, and a recent rebrand make it hard to recommend without significant caveats.
Frequently Asked Questions
DiversyFund vs. Yieldstreet (Willow Wealth) FAQ
Which is better, DiversyFund or Yieldstreet (Willow Wealth)?
Based on our scoring criteria, returns, fees, liquidity, transparency, minimums, and track record, Yieldstreet (Willow Wealth) (2.0/5) scores higher than DiversyFund (1.5/5). Yieldstreet, now Willow Wealth, is one of the largest alternative-investment marketplaces in the U.S., with $6 billion+ cumulative invested across real estate, private credit, art, and venture. But ~$208M in cumulative investor losses, a 30%+ real estate default rate, and a recent rebrand make it hard to recommend without significant caveats.
What is the minimum investment for DiversyFund vs. Yieldstreet (Willow Wealth)?
DiversyFund's minimum investment is $500 (historical, closed). Yieldstreet (Willow Wealth)'s minimum investment is $5,000–$10,000 (most direct deals); $25,000 (Willow 360).
How do DiversyFund and Yieldstreet (Willow Wealth) compare on liquidity?
DiversyFund: Indefinite. The growth REITs never had a redemption program, and the eventual liquidation has not yet returned meaningful capital to investors. Yieldstreet (Willow Wealth): 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.
What returns can investors expect from DiversyFund vs. Yieldstreet (Willow Wealth)?
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. Yieldstreet (Willow Wealth) reports average yearly returns of ~7.4% net annualized (Yieldstreet era, since 2015). Past performance does not guarantee future results.
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