Best Online Mixed-Use Real Estate Investing Platforms of 2026

Finding the best online real estate investing platforms for mixed-use properties is harder than it should be. These platforms are digital marketplaces and fund structures that enable investors to buy fractional shares or fund interests in properties that combine residential, commercial, and retail space within a single development. Unlike traditional direct ownership, they handle property acquisition, management, and tenant relations while allowing investors to start with as little as $10.

Mixed-use real estate investing remains a niche within the broader online investment landscape. Most real estate investment platforms specialize in a single asset class or cater exclusively to accredited investors with high minimums. In 2026, as CBRE projects total commercial real estate investment volume to reach $562 billion (up 16% year over year), and demand for walkable, multi-use developments continues to rise, the gap in accessible mixed-use investing is becoming more apparent. This guide compares the top online platforms offering mixed-use property exposure, evaluates their fee structures, minimum investments, and liquidity options, and shows how fractional rental investing on Ark7 can complement a mixed-use allocation.

Key Takeaways

• Mixed-use properties combine residential and commercial space in a single development, creating diversified income streams from multiple tenant types.
• Six online platforms offer direct mixed-use real estate investing exposure in 2026, with minimums ranging from $10 (Fundrise) to $25,000+ (CrowdStreet, Cadre).
• Liquidity varies dramatically across platforms: Fundrise operates quarterly redemption windows, while CrowdStreet has no secondary market at all.
• Fee structures are opaque across many platforms; total annual costs range from 1% (Fundrise) to 2-5% (Cadre), with significant long-term impact on net returns.
• Non-accredited investors face limited options for direct mixed-use investing: Fundrise and Streitwise are the primary choices without accreditation requirements.
• Ark7 complements mixed-use strategies through fractional single-family rental investing, offering monthly dividends, zero AUM fees, and continuous secondary market liquidity via PPEX ATS after a 12-month hold period.

Why Investors Seek Mixed-Use Real Estate Exposure in 2026

The shift toward mixed-use investing is driven by measurable changes in how people live and work. Walkability now ranks as a priority for 79% of homebuyers, according to the National Association of Realtors, and 78% say they would pay more to live in walkable communities. Ground-floor retail in nontraditional mixed-use properties saw 26 million square feet of leasing activity in the first three quarters of 2025 alone, per CoStar — proof that commercial tenants are seeking mixed-use formats.

At the same time, the online platforms serving this market remain fragmented. Investors face wide disparities in minimum investments (from $10 to $25,000+), fee structures (from 1% to 5% annually), and liquidity terms (from continuous trading to no exit options at all). Accredited investors have more choices, but two of the five platforms offering direct mixed-use exposure require accreditation, locking out a significant portion of potential investors. The result: finding a platform that matches your specific needs requires navigating a complex set of trade-offs.

What Are Mixed-Use Properties?

Mixed-use properties integrate residential, commercial, and sometimes industrial space within a single development. A classic example is a building with ground-floor retail or restaurants and apartments on the upper floors. Larger-scale mixed-use districts, like sports-anchored developments, combine housing, offices, shopping, and entertainment in walkable environments.

The global mixed-use property market was valued at approximately $1.6 billion in 2024 and is projected to reach $3.0 billion by 2033, growing at a 5.80% CAGR, according to HTF Market Insights. In the U.S., demand is fueled by shifting consumer preferences: the National Association of Realtors reports that 79% of homebuyers rate walkability as important, and 78% would pay more for homes in walkable communities. CoStar data shows that 26 million square feet of ground-floor retail was leased in nontraditional properties in just the first three quarters of 2025, signaling strong commercial demand for mixed-use formats.

Why Invest in Mixed-Use Real Estate in 2026?

Mixed-use properties offer a structural advantage over single-asset-class investments: diversified income streams from multiple tenant types. If retail tenants vacate, residential rent still flows. If office demand softens, ground-floor foot traffic from restaurants and services persists. This built-in diversification reduces the downside risk of relying on a single tenant type.

Market conditions in 2026 make mixed-use particularly relevant.  Cushman and Wakefield notes that 2026 returns across commercial real estate will be income-driven rather than appreciation-driven, favoring properties with stable, diversified cash flows. CBRE expects cap rates to compress by 5-15 basis points for most property types, and Lincoln Property Company observes that single-use real estate is giving way to integrated, year-round destinations.

With 18% of third-party property management companies now managing mixed-use properties, according to AmeriSave, the operational infrastructure to support this asset class continues to mature. For investors, the barrier to owning mixed-use exposure, while still higher than single-family rental investing, is gradually lowering.

Top Online Mixed-Use Real Estate Investing Platforms

The following platforms offer direct or diversified mixed-use real estate investing exposure in 2026, ranked by accessibility and the nature of their mixed-use exposure.

1. Fundrise: Diversified eREITs with mixed-use assets, $10 minimum, ~1% annual fees, no accreditation required, quarterly redemption windows.
2. RealtyMogul: Explicit mixed-use property listings in commercial REITs and private placements, $5,000 minimum, 1-1.25% management fees, open to non-accredited investors via REITs.
3. Streitwise: Direct office and mixed-use REIT exposure, ~$3,420 minimum, 2% annual fee, non-accredited investors welcome, though NAV has declined 31.6%.
4. CrowdStreet: Direct deal-by-deal commercial selection including mixed-use, $25,000 minimum, accredited investors only, no secondary market.
5. EquityMultiple: Curated CRE deals including mixed-use properties, $5,000-$30,000 minimum, 0.5-1.5% management fees, accepts only 5% of deals, accredited investors required.
6. Cadre: AI-sourced institutional CRE including mixed-use, $25,000 minimum, 2-5% combined fees, accredited investors only, quarterly liquidity windows.
7. Ark7: Fractional single-family rental investing that complements mixed-use allocations, $20 minimum, zero AUM fees, no accreditation required, continuous secondary market after 12-month hold.

1. Ark7

Ark7 is a fractional real estate investing platform that allows investors to buy shares of individual single-family rental properties starting at $20. While Ark7 does not invest directly in mixed-use commercial properties, its platform serves as a complementary allocation for investors seeking diversified real estate exposure alongside their mixed-use holdings. With more than 230,000 active investors and over $23 million in property value funded, Ark7 has established itself as a leading platform for fractional rental property investing. The platform has delivered a 4.36% average dividend yield with 94.81% occupancy and distributed over $3.5 million in lifetime dividends to investors. Past performance does not guarantee future results.

The connection to mixed-use strategies is structural. A portfolio that includes both commercial mixed-use exposure (through platforms like Fundrise) and fractional SFR exposure captures two distinct and complementary real estate segments. Mixed-use properties offer diversified income streams within single developments, while fractional SFRs provide granular exposure to residential rental markets with lower correlation to commercial real estate cycles. This combined approach hedges against downturns in either segment.

Beyond portfolio construction, the platform’s operational model addresses three persistent pain points in online real estate investing. Zero AUM fees eliminate the annual drag on returns, saving roughly $300+ per $10,000 invested over five years compared to platforms charging 0.6% AUM. Monthly dividend distributions (paid on the 3rd of each month) align with recurring cash flow needs better than the quarterly schedules used by Fundrise, Arrived, and RealtyMogul. And the PPEX ATS secondary market provides continuous liquidity after a 12-month hold period.

What sets Ark7 apart

• Zero AUM fees – Ark7 charges no annual asset management fee, compared to 1% at Fundrise, 0.6% at Arrived, and 1-1.25% at RealtyMogul. The only fees are a one-time 3% sourcing fee and 8-15% property management fee on rental income.
• Monthly dividend distributions – Dividends are distributed on the 3rd of each month, versus quarterly schedules from most competitors.
• Continuous secondary market liquidity – Shares trade on PPEX ATS, an SEC-registered alternative trading system, offering continuous liquidity after a 12-month holding period.
• No accreditation required – Any investor can participate regardless of income or net worth.
• Property-level transparency – Each property is held in its own LLC, investors can see exactly which properties they own, and the platform provides detailed financials per property.
• Co-investment alignment – Ark7 co-invests 1-20% equity in each property, ensuring platform incentives are aligned with investor outcomes.
• IRA investing – Both Traditional and Roth IRA accounts are supported.

Ideal for

• Investors building a portfolio that combines residential and commercial real estate exposure for diversification across property types.
• Those seeking monthly rental income rather than quarterly or annual distributions.
• Investors who value liquidity and want access to a regulated secondary market rather than platform-controlled redemption programs.
• Anyone who wants to start with a small amount of capital ($20 per share) and scale over time without accreditation requirements.

Getting started

Browse available rental properties, select the individual properties that match your investment criteria, and purchase shares starting at $20 each. Start investing with $20 →.

2. Fundrise

Fundrise is one of the largest real estate crowdfunding platforms, with over $7 billion in total lifetime investments. It offers diversified exposure to mixed-use and commercial properties through its eREIT structure. No accreditation is required, and the minimum investment is $10.

Key Features

• $10 minimum investment, the lowest barrier to entry of any platform on this list.
• No accreditation required; fully passive management with no individual property selection.
• eREIT structure holds 40-150+ properties per fund, providing broad diversification across asset classes including mixed-use.
• IRA-eligible (Traditional and Roth).
• Fundrise Income Real Estate Fund delivered 8.27% total return in 2025, though flagship eREIT returned -7.45% during the 2023 CRE downturn.
• Quarterly redemption windows; Equity REIT redemptions paused since July 2025, still in effect as of mid-2026.

Pricing

$10 minimum, approximately 1% annual fees (0.15% advisory + 0.85% fund management). Fundrise carries a 5.0/5 rating from NerdWallet and 4.2/5 on Trustpilot.

3. CrowdStreet

CrowdStreet is the largest marketplace for direct commercial real estate investments online, including mixed-use properties. The platform has deployed over $4.5 billion across approximately 800 deals[^CrowdStreet] and explicitly lists mixed-use as a core investment category. Investors select individual projects rather than investing in a blind pool.

Key Features

• Direct deal-by-deal selection including explicitly labeled mixed-use properties.
• Over $4.5 billion deployed across approximately 800 deals[^CrowdStreet].
• No direct platform fees: CrowdStreet earns approximately 70% of revenue from deal sponsors[^CrowdStreetSponsor].
• FINRA-registered as a broker-dealer since September 2023[^CrowdStreetFINRA].
• Post-scandal reforms include third-party escrow requirements implemented June 2023[^CrowdStreetEscrow].

Pricing

$25,000 minimum per deal[^CrowdStreetReviews], accredited investors only. No secondary market; positions are held for the full deal term of 5-10 years[^CrowdStreetReviews].

4. RealtyMogul

RealtyMogul offers commercial real estate investments including mixed-use properties through both REITs and private placements. The platform has over 300,000 users[^RealtyMogulInvestopedia] and is open to both accredited and non-accredited investors through its REIT products. Historically, it achieved an 18.1% IRR across 234 realized investments[^RealtyMogulCRE].

Key Features

• Open to both accredited (private placements) and non-accredited investors (REITs)[^RealtyMogul].
• Explicitly lists mixed-use as a commercial property type within its offerings.
• 109 consecutive months of Income REIT distributions (prior to cuts)[^RealtyMogulCRE].
• 18.1% IRR across 234 realized investments (historical)[^RealtyMogulCRE].
• Apartment Growth REIT paused to new investors as of April 2026[^RealtyMogulSEC].

Pricing

$5,000 minimum for REITs, 1-1.25% asset management fee plus up to 2% disposition fee. RealtyMogul was acquired by The Wideman Company (Susquehanna Holdings affiliate) in November 2025. Income REIT distribution cut from 6-8% to approximately 3%, and NAV per share declined 32% from $11.00 to $7.49, per CrowdfundedWealth. The Share Repurchase Program and DRIP were suspended in April 2026, with some investors reporting redemption wait times of 2-4 years.

5. EquityMultiple

EquityMultiple is a commercial real estate investment platform that accepts only approximately 5% of proposed deals[^EquityMultiple], positioning itself as a highly selective curator. The platform offers equity, debt, preferred equity, and short-term note investments. Accredited investors are required, and most deals carry a minimum of $10,000 to $30,000.

Key Features

• Accepts only approximately 5% of proposed deals, with highly selective curation.
• Achieved 17% net IRR since 2019 on historical deals.
• Alpine Notes product offers 6-7.35% APY with zero fees and early redemption eligibility after 30 days.
• Over $478 million in distributions paid to investors, according to the platform. [^equitymultiple-distributions]
• Platform co-invests in every deal (skin in the game), according to the platform. [^equitymultiple-coinvest]
• No secondary market for equity positions; no mobile app.

Pricing

$5,000 minimum (listed), $10,000-$30,000 (typical deals), 0.5-1.5% management fee plus up to 4% origination and 10% performance waterfall.

6. Streitwise

Streitwise is a publicly registered non-traded REIT that explicitly invests in office and mixed-use properties. It is open to non-accredited investors, with a minimum investment of approximately $3,420 (500 shares at $6.84 NAV)[^Streitwise]. The fee structure is straightforward: a 2% annual management fee with no performance fees[^Streitwise].

Key Features

• Open to non-accredited investors.
• Direct investment in office and mixed-use REIT properties.
• Clean fee structure with no performance fees or carried interest.
• Closed a $15.5 million Morgan Stanley refinance in February 2026 at 6.195%[^StreitwiseSEC].
• 19+ straight quarters of 8%+ annualized returns (prior to 2024).

Pricing

$3,420 minimum (500 shares at $6.84 NAV)[^Streitwise], 2% annual management fee[^Streitwise]. NAV has declined 31.6% from $10.00 to $6.84 per share, and the dividend was cut by 77%[^StreitwiseSEC]. A Panera Bread lease non-renewal in April 2024 left 22.5% of the portfolio’s square footage vacant[^StreitwiseSEC]. Streitwise holds only four office buildings across two markets. NAV improved slightly to $6.96 in Q1 2026, the first positive move since 2024.

7. Cadre

Cadre is a commercial real estate investment platform that uses AI-driven analysis, drawing on over 40,000 variables[^Cadre], to source institutional-quality properties. The platform has closed over $3.3 billion in deals and reports 18.2% historical returns[^Cadre].

Key Features

• AI-driven property analysis using 40,000+ variables[^Cadre].
• $3.3 billion in deals closed across multiple property types[^Cadre].
• Secondary market with quarterly liquidity windows.
• Institutional-quality commercial properties.
• 18.2% historical returns[^Cadre].

Pricing

$25,000 minimum for the Direct Access Fund[^Cadre], accredited investors only. Combined fees of 2-5% (1.5% management + up to 0.5% admin + up to 3.0% commitment fee + 1.0% transaction fee). Limited completed exits.

Key Risks to Consider in 2026

• Liquidity risk is the dominant concern across the category. Fundrise’s Equity REIT has paused redemptions since July 2025. RealtyMogul suspended its Share Repurchase Program in April 2026, with some investors reporting 2-4 year wait times for exits. CrowdStreet and EquityMultiple offer no secondary market for their equity positions.
• Fee erosion can significantly reduce long-term returns. Combined platform and sponsor fees of 3-4% annually can reduce total returns by 25-30% over a five-year holding period, effectively canceling much of the yield advantage real estate offers over other asset classes.
• Platform risk is real and recurring. CrowdStreet’s $63 million fraud, RealtyMogul’s acquisition and operational challenges, and Streitwise’s Panera Bread vacancy demonstrate that platform-level risk can overwhelm property-level fundamentals.
• Concentration risk in smaller REITs. Streitwise’s four-building, two-market portfolio shows how limited diversification in a single REIT amplifies downside from a single tenant departure.
• Accredited investor lockout limits access. Of the platforms offering direct mixed-use exposure, only Fundrise and Streitwise are fully open to non-accredited investors without high minimum thresholds.

Frequently Asked Questions

What is the minimum investment for mixed-use real estate investing platforms?

Minimums range widely. Fundrise is the lowest at $10. Ark7 starts at $20 for fractional SFR shares. Streitwise requires approximately $3,420. RealtyMogul starts at $5,000 for its REITs. EquityMultiple deals typically require $10,000 to $30,000. CrowdStreet and Cadre both require $25,000 per deal.

Can non-accredited investors try mixed-use real estate investing?

Yes, but options are limited. Fundrise and Streitwise are open to non-accredited investors with no income or net worth requirements. RealtyMogul’s REITs are also accessible. The Ark7 platform offers fractional SFR investing without accreditation requirements. Platforms like CrowdStreet, EquityMultiple, and Cadre require accredited investor status.

How long do I need to lock up my money on these platforms?

Lock-up periods vary significantly by platform. CrowdStreet and EquityMultiple equity positions require holding for the full deal term, typically 5 to 10 years, with no early exit available. Streitwise is a non-traded REIT with no redemption program. Fundrise offers quarterly redemption windows, but its Equity REIT has had redemptions paused since July 2025. RealtyMogul’s share repurchase program is suspended, and some investors report waiting 2 to 4 years for redemptions. Ark7 offers continuous liquidity through its PPEX ATS secondary market after a 12-month holding period.

What happens if a platform runs into trouble?

Platform-level risk is one of the most overlooked factors in online real estate investing. CrowdStreet’s $63 million Nightingale fraud, RealtyMogul’s acquisition and subsequent operational challenges, and Streitwise’s Panera Bread vacancy show that the platform itself can face difficulties even when underlying property fundamentals are sound. Key warning signs include paused redemptions, suspended share repurchase programs, distribution cuts, and NAV declines. Before investing on any platform, review its regulatory status, fee structure changes, and investor complaint history — these are often leading indicators of deeper problems.

How much do fees really eat into returns over time?

More than most investors expect. A platform charging 3-4% in combined annual fees can reduce total investment returns by 25-30% over five years, according to analysis from SparkRental. Total annual costs in this space range from 1% (Fundrise) to 2-5% (Cadre). Ark7’s zero AUM model avoids the annual fee drag entirely, charging only a one-time 3% sourcing fee and property management on rental income.

How do I choose between these platforms?

The right platform depends on your investment goals, accreditation status, desired liquidity, and fee tolerance. Fundrise offers the lowest minimum and broadest diversification for passive investors. CrowdStreet provides direct deal selection for accredited investors with higher capital. Ark7 provides fractional SFR exposure with monthly dividends and zero AUM fees, all accessible with a $20 minimum and no accreditation requirement, and can complement any mixed-use allocation.

Final Verdict — Which Platform Should You Choose?

No single platform serves every investor’s needs. The mixed-use real estate landscape in 2026 presents distinct trade-offs across fee structures, liquidity, minimum investment, and accreditation requirements.

For passive investors seeking broad real estate diversification, the comparison table above covers the fee structures, liquidity terms, and minimums that matter most. Fundrise offers the lowest minimum with its eREIT structure, though its Equity REIT redemptions have been paused since July 2025.

Ark7 for fractional SFR investments is the complementary option to any real estate allocation: fractional SFR shares starting at $20, zero AUM fees, monthly dividends, and continuous secondary market liquidity. Browse available properties →.

This article is for educational purposes only and does not constitute investment advice. Past performance does not guarantee future results. All investments carry risk, including potential loss of principal. Consult a licensed financial advisor for personalized investment decisions.