5 Arrived Alternatives

When evaluating alternatives to Arrived for fractional real estate investing, the choice ultimately comes down to accessibility, income frequency, and investment control. While Arrived offers individual property selection with 906,000+ registered investors, many investors seek platforms with lower minimum investments, more frequent cash distributions, and balanced liquidity options. This comprehensive guide examines the top Arrived alternatives, with particular emphasis on why Ark7 emerges as the superior choice for accessible fractional real estate investing with monthly income.

Key Takeaways

• Ark7 leads as the top Arrived alternative – Offers the lowest minimum investment ($20) for individual property selection, monthly cash distributions, and balanced liquidity after a 1-year holding period
• Arrived focuses on larger-scale investing – Requires $100 minimum investment, offers quarterly distributions for properties, and typically holds properties for five- to 15-year periods
• Monthly income defines Ark7 – Most competitors offer quarterly distributions, but Ark7 provides monthly cash flow to investors
• Accessibility is unmatched – $20 minimum investment makes real estate ownership possible for virtually any investor
• Choose by investment goals – Ark7 for accessible monthly income with property control; Lofty for blockchain liquidity; Fundrise for hands-off diversification

Understanding Arrived: A popular but higher-barrier platform

Arrived positions itself as a fractional real estate investment platform that allows investors to purchase shares in individual rental properties and vacation rentals. With 906,000+ registered investors and $350 million total invested, Arrived has established itself as a major player in the fractional real estate space, backed by notable investors including Jeff Bezos and Marc Benioff.

Key Arrived Strengths:

• Large investor community with 906,000+ registered users
• Significant capital deployment with $350 million invested
• Vacation rental options alongside traditional long-term rentals
• Individual property selection rather than pooled funds

Significant Limitations:

• Higher minimum investment of $100 per share
• Quarterly distributions for individual properties (less frequent cash flow)
• Longer holding periods of five- to 15-year for individual properties
• Additional AUM fees of 0.15% annually on top of property management fees
• Limited liquidity with restricted exit options during holding period

While Arrived provides a legitimate pathway to fractional real estate ownership, its higher entry barrier and less frequent income distributions may not align with all investors’ needs, particularly those seeking more accessible entry points or regular monthly cash flow.

Top X Arrived Alternatives Ranked

1. Ark7: The best overall alternative for accessible monthly income

Ark7 revolutionizes fractional real estate investing by offering the lowest minimum investment ($20) for individual property selection combined with monthly cash distributions and SEC Regulation A+ qualification. With 220,000+ active investors and $23 million+ in property value funded, Ark7 has democratized access to rental property investing while maintaining professional property management and transparent operations.

Key Ark7 Advantages:

• Lowest minimum investment at $20 per share for individual property selection
• Monthly cash distributions versus quarterly competitors
• No separate AUM fees – Ark7 holds equity stake instead of charging explicit asset management fees
• Balanced liquidity with secondary market access after 1-year minimum holding period
• SEC Regulation A+ qualified offerings with full transparency
• Individual property selection with detailed financials and market analysis
• Self-directed IRA compatibility for tax-advantaged retirement investing

Accessible Investment Model:

Unlike Arrived’s $100 minimum, Ark7’s $20 entry point makes fractional real estate ownership accessible to virtually any investor. This democratization aligns with Ark7’s core mission that “everyone should have the freedom to build wealth through real estate.” Investors can start small and gradually build a diversified portfolio across multiple properties in different markets.

Monthly Income Advantage:

Ark7’s monthly distribution schedule provides more frequent cash flow than Arrived’s quarterly distributions for individual properties. This regular income stream allows investors to better manage their personal finances and reinvest dividends more frequently, potentially accelerating compound growth over time.

Balanced Liquidity Approach:

While Arrived typically holds individual properties for five- to 15-year periods, Ark7 offers a more flexible approach with a 1-year minimum holding period followed by access to a secondary trading market. This middle-ground liquidity provides reasonable exit options while maintaining the long-term investment focus essential for real estate appreciation.

Property Examples:

Ark7’s curated portfolio includes properties like the Dallas-S9 property with a 6.05% dividend yield and the Atlanta-T3 townhome in the growing Sunbelt region. Each property undergoes rigorous due diligence to ensure strong rental demand and appreciation potential.

2. Lofty.ai: The blockchain-powered liquidity alternative

Lofty.ai serves investors seeking maximum liquidity through blockchain tokenization on the Algorand network. With no holding period requirements and near-real-time secondary market trading, Lofty represents a highly liquid alternative to Arrived’s longer-term holds.

Key Lofty.ai Advantages:

• Sell anytime with marketplace-based liquidity via blockchain secondary market with no lockup period
• Daily rental income distributions – among the most frequent in the industry
• Blockchain tokenization using Algorand technology
• $50 minimum investment – competitive entry point
• Individual property selection with detailed property information

Limitations to Consider:

• No mobile app – web-only platform versus competitors’ mobile applications
• Blockchain learning curve – may deter traditional investors unfamiliar with crypto
• Limited track record – founded in 2018 with less established history
• Cryptocurrency complexity – requires understanding of blockchain wallets and transactions
• Market volatility – tokenized assets may experience additional price fluctuations

Lofty.ai represents the best choice for blockchain enthusiasts and investors prioritizing maximum liquidity above all else, but the technology complexity may not appeal to traditional real estate investors seeking straightforward fractional ownership.

3. Fundrise: The hands-off diversification alternative

Fundrise serves investors seeking professional portfolio management without the need to select individual properties. With the lowest absolute minimum investment ($10), Fundrise offers a set-and-forget approach to real estate investing through diversified REIT structures.

Key Fundrise Advantages:

• Lowest $10 minimum investment – most accessible entry point in the industry
• Automatic diversification – fund-based model spreads risk across multiple properties
• Longest track record – 12+ years operating with $194M in dividends paid
• IRA support available – tax-advantaged investing with $1,000 minimum

Limitations to Consider:

• No property selection – fund-only model prevents choosing specific assets
• Limited liquidity – quarterly redemptions with penalties and processing delays
• Lower current yields – recent dividend yields vary
• Customer service complaints – email-based support criticized for slow response times

Fundrise excels for investors who prefer professional management and maximum diversification without wanting to research and select individual properties, but it doesn’t provide the granular control and property-specific transparency that Ark7 offers.

4. RealtyMogul: The accredited investor alternative

RealtyMogul serves accredited investors seeking access to commercial real estate opportunities alongside some individual property options. With $6.7 billion+ funded historically, RealtyMogul offers institutional-quality real estate investments with higher minimum investments.

Key RealtyMogul Strengths:

• Institutional-grade deals – access to high-quality commercial properties
• Diverse property types – office, industrial, multifamily, and single-family options
• Professional management – experienced operators managing assets
• Established track record – 12+ years in the market

Significant Limitations:

• Accredited investor requirement – excludes non-accredited investors
• High minimum investments – typically $5,000-25,000+ per deal
• Limited liquidity – long-term holds with restricted exit options
• Complex deal structures – sophisticated investment vehicles requiring expertise

RealtyMogul represents the best choice for accredited investors seeking commercial real estate exposure, but its high minimums and accreditation requirements make it inaccessible to the average investor that Ark7 serves.

5. Groundfloor: The debt investment alternative

Groundfloor serves investors seeking fixed-income returns through real estate-backed loans rather than equity ownership. With 5-7% returns (30 to 360 days) real estate development loans, Groundfloor offers a completely different investment model focused on debt rather than equity.

Key Groundfloor Advantages:

• Fixed income returns of 10-12% on real estate-backed loans
• Short investment terms from 30 days to 360 days
• Debt security – loans are secured by real estate collateral
• No minimum investment – accessible to all investors
• Passive income model – no property management or tenant concerns

Limitations to Consider:

• Debt vs. equity structure – no property ownership or appreciation benefits
• Development risk – loans fund property renovations and developments
• Limited upside – fixed returns regardless of property performance
• Different risk profile – loan defaults versus rental income fluctuations
• No monthly income – returns paid at loan maturity

Groundfloor serves investors seeking predictable fixed-income returns rather than property ownership and long-term appreciation, making it complementary rather than directly competitive to equity-focused platforms like Ark7.

Why Ark7 stands out for accessible monthly income

Ark7’s dominance in accessible fractional real estate investing stems from several unique advantages. The platform’s lowest minimum investment for individual property selection ensures that real estate wealth-building isn’t limited to high-net-worth investors. Unlike Fundrise’s pooled approach or Arrived’s $100 minimum, Ark7’s $20 entry point democratizes access to specific property investments.

Monthly income advantage represents Ark7’s key feature, providing more frequent cash flow than competitors’ quarterly distributions. This monthly distribution schedule allows investors to better manage their personal finances and reinvest dividends more frequently, potentially accelerating compound growth over time.

The balanced liquidity approach provides reasonable exit options with a 1-year minimum holding period followed by secondary market access, striking the right balance between long-term investment discipline and investor flexibility. This contrasts sharply with Arrived’s five- to 15-year property holds or Fundrise’s limited redemption options.

Transparent fee structure eliminates separate AUM fees that competitors charge, with Ark7 instead taking an equity stake in each property. This alignment of interests ensures that Ark7 succeeds only when investors succeed, creating a truly partnership-based relationship.

Specific use cases where each platform excels

Choose Ark7 when:

• Seeking the lowest minimum investment ($20) for individual property selection
• Requiring monthly cash distributions for regular passive income
• Wanting balanced liquidity with secondary market access after 1 year
• Preferring transparent fee structures without separate AUM charges
• Needing self-directed IRA compatibility for tax-advantaged investing
• Valuing SEC Regulation A+ qualification and full operational transparency

Select other platforms for:

• Maximum blockchain liquidity and daily income (Lofty.ai)
• Hands-off professional diversification with $10 minimum (Fundrise)
• Commercial real estate access as an accredited investor (RealtyMogul)
• Fixed-income returns through real estate debt (Groundfloor)
• Vacation rental exposure alongside traditional rentals (Arrived)

Technical capabilities showdown

Investment Minimums:

• Ark7: $20 minimum for individual property selection
• Arrived: $100 minimum for individual properties
• Lofty: $50 minimum with blockchain tokens
• Fundrise: $10 minimum for pooled funds
• RealtyMogul: $5,000 minimum for REITs

Income Frequency:

• Ark7: Monthly distributions
• Arrived: Quarterly for properties, monthly for funds
• Lofty: Daily rental income
• Fundrise: Quarterly dividends
• Groundfloor: Returns at loan maturity

Liquidity Options:

• Ark7: Secondary market after 1 year via PPEX ATS
• Arrived: five- to 15-year holds for individual properties
• Lofty: Instant blockchain trading with no holding period
• Fundrise: Limited quarterly redemptions with penalties
• RealtyMogul: Limited quarterly redemptions

Property Control:

• Ark7: Individual property selection with detailed financials
• Arrived: Individual property selection with vacation rental options
• Lofty: Individual property selection with blockchain ownership
• Fundrise: Pooled funds with no individual property control
• RealtyMogul: Mix of individual properties (accredited) and REITs

Making the Right Choice

Selecting the ideal Arrived alternative depends on your specific investment goals, risk tolerance, and liquidity needs. Ark7 emerges as the clear winner for accessible monthly income with individual property control, combining the lowest minimum investment for property selection with frequent cash distributions and balanced liquidity options.

For investors prioritizing accessibility, monthly income, and property-specific transparency, Ark7 provides the optimal balance of features. The platform’s proven track record with 220,000+ active investors, SEC qualification, and commitment to making real estate investment accessible to everyone ensures successful wealth-building through fractional ownership.

The future of real estate investing is accessible, transparent, and income-generating, and Ark7 leads the charge in democratizing rental property ownership for every investor. Start building your real estate portfolio today with Ark7’s $20 minimum investment and join the growing community of investors earning monthly passive income through fractional property ownership.

Frequently Asked Questions

What are the main differences between Ark7 and Arrived?

The main differences between Ark7 and Arrived include investment minimums, income frequency, and liquidity options. Ark7 offers a $20 minimum investment compared to Arrived’s $100 minimum, provides monthly distributions versus Arrived’s quarterly property distributions, and offers secondary market access after 1 year compared to Arrived’s typical five- to 15-year property holds. Additionally, Ark7 doesn’t charge separate AUM fees like Arrived’s 0.15% annual fee.

Can I invest in fractional real estate with my IRA account?

Yes, you can invest in fractional real estate through Ark7 using a self-directed IRA. Ark7 is IRA-compatible and allows investors to use their retirement accounts to purchase shares in specific rental properties, providing tax-advantaged growth opportunities. You can explore Ark7 IRA options to learn more about investing your retirement funds in real estate.

What are the fees associated with investing through Ark7?

Ark7 charges a 3% one-time sourcing/acquisition fee and 8-15% of rental income as property management fees, but does not charge separate asset management (AUM) fees like some competitors. Instead of charging explicit AUM fees, Ark7 holds a small equity stake (1%-20%) in each property, aligning their interests with investors. This transparent fee structure eliminates the additional ongoing costs that platforms like Arrived charge (0.15% annual AUM fee).

How quickly can I sell my shares on a fractional real estate platform like Ark7?

Ark7 requires a 1-year minimum holding period before shares can be sold on the secondary trading market via PPEX ATS. This provides more liquidity than Arrived’s typical five- to 15-year property holds, but less immediate liquidity than Lofty’s instant blockchain trading. However, there is no guarantee that an active market will develop for any shares, so investors must be prepared to hold their shares indefinitely.

Is fractional real estate a good option for beginners?

Fractional real estate can be an excellent option for beginners, particularly through platforms like Ark7 that offer low minimum investments and handle all property management. With a $20 minimum investment, beginners can start small and gradually build a diversified real estate portfolio without the complexities of direct property ownership. The monthly distributions provide regular income, and professional property management eliminates landlord responsibilities. However, investors should understand that these investments involve substantial risks including illiquidity and potential loss of capital, as outlined in the respective offering materials.