Concreit vs Landa vs Ark7: Choosing the Right Fractional Real Estate Platform in 2026

The fractional real estate investment landscape underwent a dramatic transformation when one major platform collapsed, leaving thousands of investors stranded. For those seeking reliable, transparent access to rental property investments, the choice between remaining platforms has never been more critical. Ark7 offers a compelling solution for investors looking to buy shares in properties with full operational transparency and a functional secondary market. This comprehensive comparison examines the current state of Concreit, Landa, and Ark7 to help you make an informed decision about where to place your real estate investment dollars.

Key Takeaways

• Landa’s platform has experienced prolonged operational disruptions since May 2025, during which many users have reported being unable to access their accounts, investment information, or dividend distributions. As a result, approximately 25,000 investors have been affected by limited platform availability and functionality.
• Ark7 stands as the only platform with a functional secondary market through PPEX ATS, providing verified liquidity options after a 12-month hold period
• Ark7 charges zero ongoing AUM fees, saving investors approximately $200+ over 5 years compared to Concreit’s 1% annual fee on a $10,000 investment
• Ark7 offers direct equity ownership with dual income potential (rental income + property appreciation), while Concreit provides debt-only exposure with capped returns
• Concreit maintains the lowest minimum investment at $1, compared to Ark7’s $20 minimum, making it slightly more accessible for first-dollar investors
• Ark7 provides individual property selection and control, unlike Concreit’s pooled fund model that offers no property-level transparency

Understanding Fractional Real Estate Investing: A Primer

Fractional real estate investing allows individuals to purchase shares of income-producing properties without the responsibilities of traditional landlordship. This democratized approach to real estate ownership has gained significant traction, offering benefits like passive income, portfolio diversification, and access to markets that might otherwise be financially out of reach.

The core appeal lies in generating consistent cash flow through rental income while potentially benefiting from long-term property appreciation. However, as what happened to Landa demonstrates, platform reliability and operational transparency are equally important considerations beyond just yield promises. According to the SEC’s Regulation A+ framework, these platforms operate under specific regulatory exemptions that allow non-accredited investors to participate.

Key Benefits of Fractional Real Estate:

• Access to professionally managed rental properties with minimal capital (as low as $1-20)
• Passive income through regular dividend distributions
• Portfolio diversification across different property types and geographic markets
• Potential for both income and capital appreciation
• Elimination of landlord responsibilities like maintenance and tenant management

Concreit vs Landa vs Ark7: A Head-to-Head Comparison of Investment Models

The fundamental difference between these platforms lies in their investment structure, which significantly impacts investor control, return potential, and risk profile.

Investment Structure Breakdown

Ark7 operates on a direct equity ownership model where investors purchase shares in specific, individual rental properties. This provides full transparency into investments with monthly property-level operating statements and performance data. Investors maintain control over which properties they invest in and benefit from both rental income and potential property appreciation.

Concreit employs a debt-based pooled fund structure in which investor capital is combined into a single fund that provides loans to real estate projects. This approach places investors in a first-lien debt position and offers returns based on fixed yield ranges, typically around 5.5–6.5%. Investments are made at the fund level rather than in individual properties, and performance reporting is provided on an aggregated basis rather than per-asset.

Landa previously offered individual property equity ownership similar to Ark7, but the platform has been non-functional since May 2025, rendering this investment model effectively unavailable.

Property Selection and Control

Ark7’s approach to property selection empowers investors with meaningful control over their real estate portfolios:

• Individual property choice – Review and select specific properties that match your investment criteria
• Geographic diversification – Invest across 10+ U.S. markets including Dallas, Atlanta, and Tampa
• Property type variety – Access single-family homes, multifamily properties, and townhomes
• Transparent underwriting – Full disclosure of property details, financials, and market analysis

Concreit offers no property selection whatsoever, operating as a blind pooled fund where investors entrust all decisions to the platform’s management team.

Access and Minimum Investments: Where Do Concreit, Landa, and Ark7 Stand?

Accessibility remains a key consideration for new investors entering the fractional real estate space.

Minimum Investment Requirements

• Concreit: $1 minimum investment – the lowest in the industry
• Ark7: $20 minimum investment per share – still highly accessible while enabling meaningful diversification
• Landa: $5 minimum (historical) – currently irrelevant due to platform failure

Concreit offers a $1 minimum investment, which represents a very low entry point for investors. Ark7’s $20 minimum also provides a relatively accessible starting level and allows investors to allocate capital across multiple properties. By comparison, this minimum is similar in scale to the cost of purchasing a small number of shares in many widely traded stocks or ETFs.

Investor Eligibility

All three platforms historically welcomed both accredited and non-accredited investors, operating under SEC Regulation A+ exemptions. However, with Landa’s platform collapse, only Ark7 and Concreit currently offer functional investment opportunities to the general public.

Fees and Transparency: Unpacking the Costs of Investing with Each Platform

Fee structures significantly impact long-term investment returns, making this a critical comparison point.

Fee Structure Comparison

Ark7 maintains a transparent fee structure with:

• 3% one-time acquisition fee (of property market cap)
• 0% ongoing AUM (Assets Under Management) fees
• 8-15% property management fee (deducted from rental income)
• No hidden fees – complete fee disclosure

Concreit charges:

• 0% acquisition fee
• 1% annual AUM fee (or $5/month if portfolio under $5,000)
• Property management costs included in AUM fee

Landa historically charged:

• Up to 6% acquisition fee
• Up to 8% property management fee
• No AUM fee (platform now non-functional)

Long-Term Cost Analysis

For a $10,000 investment over 5 years:

• Ark7: ~$300-600 total fees (primarily the one-time 3% acquisition fee)
• Concreit: $500+ total fees (1% annual AUM fees compound over time)

This represents a significant cost advantage for Ark7 in long-term holdings, with zero ongoing fees allowing more of your returns to compound. Ark7’s commitment to full operational transparency ensures investors always understand exactly what they’re paying for.

Secondary Market and Liquidity: Selling Your Shares on Concreit, Landa, and Ark7

Liquidity options have become a critical differentiator following Landa’s platform collapse.

Current Liquidity Status

Ark7 offers the only functional secondary market in the category through the PPEX ATS, an SEC-registered alternative trading system. Investors can list shares for sale after a 12-month holding period, with November 2025 showing $61,662 in active trading volume across 27 properties.

Concreit provides no secondary market but allows withdrawals subject to approval, typically within 30 days, with a 0.1% fee (often waived).

Landa’s secondary market became completely non-functional in 2025, leaving 25,000 investors with zero liquidity options and no way to access their capital.

Liquidity Implications

The stark reality is that Ark7 now stands as the only platform offering verified liquidity through an active trading market. This operational stability becomes increasingly valuable in uncertain economic environments where access to capital may be needed.

Evaluating Returns and Passive Income Potential with Concreit, Landa, and Ark7

Return profiles differ significantly between these platforms due to their structural differences.

Income Generation Models

Ark7 provides dual income engines:

• Monthly rental distributions – November 2025 portfolio average of 3.96% annualized dividend return
• Property appreciation potential – Direct equity ownership captures long-term value growth
• Top-performing properties – Including Urbana-S11 at 7.65% and DFW-S19 at 6.22% dividend yield

Concreit offers:

• Weekly dividend payments – More frequent than monthly distributions
• Fixed yield range – 5.5-6.5% annual returns with no appreciation component
• Debt-only exposure – Senior loan positions with capped upside

Landa currently provides:

• Zero returns – All dividend payments stopped since May 2025 platform collapse

Portfolio Performance Metrics

Ark7’s November 2025 performance report showed:

• 94.81% portfolio occupancy rate – demonstrating strong tenant demand
• $75,538.20 in monthly dividends distributed – consistent cash flow to investors
• Active secondary market trading – $61,662 in monthly volume with properties trading at premiums (Urbana-S11 at +25% price increase)

Navigating Risk and Due Diligence: What to Know Before Investing

What happened to Landa underscores the importance of operational risk assessment beyond just projected returns.

Platform Stability Assessment

Ark7 demonstrates strong operational stability with:

• 230,000+ active investors – substantial user base indicating trust
• $3.5M+ in cumulative dividends paid – consistent distribution history
• SEC Regulation A+ compliance – full regulatory oversight and disclosure requirements
• FINRA/SIPC broker-dealer partnership – additional regulatory supervision through Dalmore Group LLC

Concreit maintains operational functionality with:

• SEC Regulation A+ qualification
• Registered investment adviser status
• Consistent weekly dividend payments

Landa represents a cautionary tale with:

• Complete operational failure since May 2025
• 25,000 investors locked out of their accounts with no access to funds
• All dividend payments ceased with no timeline for restoration

Due Diligence Recommendations

Before investing in any fractional real estate platform, verify:

• Current operational status and recent dividend payment history
• Regulatory compliance and broker-dealer partnerships
• Fee transparency and long-term cost structure
• Secondary market functionality (if liquidity is important to you)
• Property-level transparency and reporting frequency

Technology and User Experience: Comparing Mobile Apps and Platforms

User experience and platform reliability are critical for long-term investor satisfaction.

Platform Features Comparison

Ark7 Mobile App offers:

• 4.7/5 App Store rating – highest user satisfaction in the category
• Individual property discovery and investment capabilities
• Real-time portfolio tracking and dividend monitoring
• Secondary market trading functionality
• Secure transactions with 24/7 account access

Concreit App provides:

• 4.2/5 App Store rating
• Simple pooled fund investment with minimal decisions required
• Weekly dividend tracking
• No property selection or secondary market features

Landa App currently offers:

• Non-functional platform with no access to accounts or features

User Experience Strengths

Ark7’s intuitive mobile app enables investors to discover properties, make investments, track performance, and manage their portfolios entirely from their mobile devices. The platform’s design prioritizes transparency with detailed property information, financial statements, and market analysis readily accessible.

Specialized Investment Options: IRA Investing with Concreit, Landa, and Ark7

Tax-advantaged retirement investing represents an important consideration for long-term wealth building.

IRA Investment Capabilities

Ark7 offers clearly defined IRA investment options through partnership with Inspira Financial Company:

• Traditional and Roth IRA accounts supported
• $0 Ark7 fee to open IRA accounts
• $100 annual custodian fee per property (capped at $400/year, waived for balances over $100,000)
• Same individual property selection available as cash accounts

Concreit provides limited IRA disclosure:

• IRA investment options are not prominently detailed in publicly available materials.
• Investors may need to contact Concreit directly for current information on retirement account eligibility and associated fees.

Landa IRA status:

• IRA investment availability is currently unclear based on publicly accessible information.
• Prospective investors would need to confirm whether retirement account support is available once normal platform operations resume.

Tax Advantages of Real Estate IRAs

Investing in real estate through an IRA provides significant tax benefits:

• Tax-deferred (Traditional IRA) or tax-free (Roth IRA) growth
• Compounding returns without annual tax drag
• Diversification of retirement portfolio beyond traditional stocks and bonds
• Tangible asset ownership within retirement accounts

Choosing the Right Platform: Concreit, Landa, or Ark7 for Your Portfolio

The dramatic shift in the fractional real estate landscape following Landa’s collapse has fundamentally altered the competitive dynamics.

Current Platform Viability

Landa is not a viable investment option due to its complete operational failure since May 2025. The platform’s collapse left 25,000 investors with no access to their capital, making any historical advantages irrelevant.

This leaves investors with a clear choice between Concreit’s simplified pooled fund approach and Ark7’s transparent, property-specific equity ownership model.

When to Choose Ark7

Select Ark7 when you prioritize:

• Individual property control and transparency – Full visibility into specific investments
• Dual income potential – Both rental income and property appreciation
• Long-term cost efficiency – Zero ongoing AUM fees
• Functional liquidity options – Only platform with active secondary market
• IRA investment capabilities – Clear retirement account integration
• Operational stability – Proven track record with 230,000+ investors

When to Choose Concreit

Consider Concreit when you prefer:

• Absolute lowest minimum investment – $1 entry point
• Complete hands-off investing – No property selection decisions required
• Weekly cash flow – More frequent than monthly distributions
• Simplified investment process – Single fund decision vs. property selection

Frequently Asked Questions

What are the main differences in investment approach between Concreit, Landa, and Ark7?

Concreit operates a debt-based pooled fund where investors have no property selection and receive fixed yields without appreciation potential. Landa previously offered individual property equity ownership similar to Ark7 but is now completely non-functional since May 2025. Ark7 provides direct equity ownership in specific, individually selected properties with full transparency and dual income potential from rental income plus appreciation. Additionally, Ark7 is the only platform with a functional secondary market in the category.

Can non-accredited investors participate on all three platforms?

Historically, all three platforms welcomed both accredited and non-accredited investors under SEC Regulation A+ exemptions. However, with Landa’s platform collapse in May 2025, only Ark7 and Concreit currently offer functional investment opportunities to non-accredited investors. Both platforms maintain $18+ age requirements and U.S. residency restrictions. The Regulation A+ framework allows everyday investors to access real estate opportunities previously limited to accredited investors only.

What are the options for cashing out investments on each platform?

Ark7 offers the only functional secondary market through PPEX ATS, an SEC-registered alternative trading system allowing share sales after a 12-month holding period. November 2025 showed $61,662 in active trading volume across 27 properties on Ark7’s platform. Concreit allows withdrawals (not secondary market sales) subject to approval within 30 days, with a 0.1% fee often waived. Landa provides zero liquidity options since its platform became completely non-functional in May 2025, leaving 25,000 investors locked out with no access to their capital.

Are there tax benefits to investing in real estate through these platforms?

Ark7 clearly offers IRA investment options through Inspira Financial Company for both Traditional and Roth IRAs, providing tax-deferred or tax-free growth potential. The platform charges $0 to open IRA accounts with a $100 annual custodian fee per property (capped at $400, waived for balances over $100,000). Concreit’s IRA options are not clearly disclosed in available documentation with limited fee transparency. Landa’s IRA capabilities are unknown due to platform non-functionality. All platforms generate taxable income that must be reported annually for cash accounts.

Which platform is best for long-term passive income versus short-term gains?

For long-term passive income with appreciation potential, Ark7 is superior due to its direct equity ownership model, zero ongoing fees, and functional secondary market. Ark7’s dual income model captures both rental income and property value appreciation over time. For short-term gains, Ark7’s secondary market provides the only viable liquidity option in the category after the required 12-month hold. Concreit’s debt-only model caps returns at fixed yields around 5.5-6.5% with no appreciation potential, making it less suitable for long-term wealth building despite its weekly dividend frequency.