Anyone researching a BuyProperly review is usually trying to answer one question before putting money down: does this Toronto-based fractional real estate platform actually deliver on its pitch, and what will it cost. BuyProperly has built a niche around AI-matched property picks and a low entry point for Canadian investors, but its fee structure, lock-in period, and public track record are less widely understood than its marketing. This guide pulls together what’s verifiable from BuyProperly’s own materials, independent press coverage, and regulatory filings so you can weigh it against other fractional ownership options, including Ark7.
Key Takeaways
- BuyProperly’s minimum investment is $500, with no stated maximum, though a single investor cannot own more than 49.9% of a property.
- Its annual management fee runs at 2.5% plus GST/HST on the asset’s value, deducted from rental dividends.
- The default holding period is five years, with an internal marketplace as the only route to an earlier exit.
- No independently verified aggregate review score (Trustpilot, Google) for BuyProperly appears in the public record reviewed for this article.
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Explore Ark7 OpportunitiesWhat Is BuyProperly?
BuyProperly is a Toronto-based fractional ownership platform that lets investors buy a stake in individual properties rather than purchasing them outright. It was founded in 2019 and is led by CEO Khushboo Jha.
According to Toronto Guardian, BuyProperly enables Canadians to invest in real estate through a short online process. CB Insights describes the company as an online marketplace offering access to real estate, private equity, and other private assets without requiring the capital a direct purchase would demand. Private equity, venture capital, and hedge fund offerings are listed as coming soon on BuyProperly’s own site, meaning real estate is currently the platform’s primary live product.
BuyProperly operates in Canada and, per one industry summary, also in the USA, working with both accredited and non-accredited investors.
How BuyProperly Works: Platform and Investment Process
BuyProperly structures each property as a separate corporation and issues investors proportional shares. The default holding period before a planned sale is five years. Investors browse listings in a digital portal and commit an amount through the app, similar to buying shares of a public company.
Per Wealth Professional, each property is owned by an individual corporation that BuyProperly sets up, and investors receive shares in that corporation proportional to their contribution. The company has said it uses an AI model that draws on over five million data points to identify properties, spanning single-family homes, pre-construction developments, and commercial buildings. Investors manage holdings, dividends, and exits through BuyProperly’s app rather than handling paperwork directly with each property’s corporation.
The Fractional Real Estate Market Is Growing Fast
Fractional ownership platforms like BuyProperly are entering a rapidly expanding market.
North America is the largest regional contributor, accounting for 53.27% of the global market in 2025, according to Mordor Intelligence. That growth is drawing more platforms into the space, which makes fee transparency and liquidity terms, the two areas where BuyProperly’s structure differs most from competitors, worth scrutinizing closely before committing capital.
BuyProperly Fees, Minimums, and Liquidity Explained
BuyProperly’s minimum investment and its fee structure are the two numbers that matter most before signing up. The minimum entry point is $500, with no stated maximum, though no single investor can hold more than 49.9% of a given property.
On fees, BuyProperly charges a 2.5% annual management fee plus GST/HST on the asset’s value. According to Toronto Realty Blog, this fee is deducted from monthly rental dividends rather than billed separately. A separate review notes that the charge covers platform and fund management, including property sourcing and ongoing operations. Investors also split one-time acquisition costs, such as inspection and legal fees, according to CBC.
On liquidity, BuyProperly’s default holding period is five years, though it maintains an internal marketplace where investors can list shares for sale before that term ends. The Globe and Mail describes money invested through BuyProperly as technically locked in for five years. The secondary marketplace is the mechanism for an earlier exit, not a guaranteed instant sale.
BuyProperly Performance and Historical Returns
Publicly available, independently verified return or occupancy data for BuyProperly’s portfolio is limited. The company’s own structure points to dividends and capital appreciation as the two sources of investor return over its default five-year horizon, per Wealth Professional’s reporting on the platform’s mechanics. Returns on any individual property will depend on rental income, local market conditions, and the deduction of the 2.5% management fee plus GST/HST from distributions.
No aggregated or property-level performance data for BuyProperly’s portfolio is publicly available.
Pros and Cons of Investing with BuyProperly
Weighing BuyProperly fairly means separating what’s confirmed in its own materials and independent coverage from what remains unverified.
What the research confirms as upsides:
- Entry point below direct ownership: the $500 minimum is far lower than buying a property outright.
- AI-assisted sourcing: the platform screens listings using a model built on five million data points.
- An internal exit mechanism: investors can list shares on BuyProperly’s marketplace rather than waiting the full five years with no exit option at all.
What the research confirms as drawbacks:
- A recurring 2.5% fee plus GST/HST, taken from rental dividends rather than charged once.
- A five-year default lock-in, with the secondary marketplace as the only earlier-exit route, not a guarantee of a buyer.
- No public performance track record was found covering the platform’s portfolio as a whole.
- Not BBB accredited, according to BuyProperly’s Better Business Bureau profile.
What Do BuyProperly Reviews Say? User Sentiment and Ratings
No aggregated third-party review data for BuyProperly, such as a large-sample Trustpilot or Google rating, is publicly available. The clearest independently verifiable data point is BuyProperly’s Better Business Bureau listing, which states the company is not a BBB accredited business. That is a registration status, not a performance or satisfaction score, and it does not by itself indicate anything negative about service quality.
Press coverage of BuyProperly, including pieces in the Globe and Mail and Wealth Professional, has generally focused on explaining the mechanics of fractional ownership rather than rating the platform’s customer experience.
BuyProperly vs Competitors: Fundrise, Ark7, and Others
Minimums, fees, and liquidity terms vary widely across fractional real estate platforms, and the differences compound over a multi-year hold. The table below lays out the verified terms for BuyProperly alongside four other platforms, including Ark7.
| Dimension | Ark7 | Arrived | BuyProperly | Fundrise | RealtyMogul |
|---|---|---|---|---|---|
| Minimum Investment | $20/share, $20 minimum per property | Not published | $500 CAD | $10 (taxable); $1,000 (IRA) | $5,000 (certain options); $25,000–$50,000 (typical CRE) |
| Platform / AUM Fees | No platform or AUM fees | 0.15%/qtr of asset price (SFR); 0.25%/qtr of net assets (SFR Fund); 0.3%/qtr of net assets (RE Income Fund) | 2.5% annual management fee + GST/HST | 0.15% annual advisory fee + 0.85% annual mgmt fee (RE funds); 1.85% annual (Innovation Fund) | No platform joining fee; investment-specific fees vary by deal |
| Transaction / Sourcing Fees | 3% one-time sourcing fee per investment | N/A | N/A | No upfront sales or marketing fees (Innovation Fund) | Fees charged per investment; depend on loan vs. equity and transaction |
| Property Management Fee | 8–15% of rental income | N/A | Included in 2.5% annual management fee + GST/HST | N/A | N/A |
| Distribution Frequency | Monthly | N/A | Varies by offering; not publicly standardized | N/A | N/A |
| Secondary Market / Liquidity | Shares may become eligible for sale after a minimum holding period; no assurance that a buyer or market will exist. | N/A | N/A | N/A | N/A |
| Asset Type / Structure | Fractional shares in individual rental homes (Reg A) | Series LLC membership interests in individual rental homes; SFR Fund; Real Estate Income Fund (REIT-qualified) | Fractional ownership in real estate & private assets; PE/VC/hedge funds coming soon | Real estate funds; Innovation Fund (private tech companies) | Loan and equity investments in commercial real estate |
| App Store Rating | 4.7 (Apple App Store) | N/A | N/A | N/A | N/A |
Ark7 charges no platform or AUM fee at all, drawing revenue instead from a one-time 3% sourcing fee and an 8-15% property-management fee taken from rental income rather than from investor principal. It also pays distributions monthly and offers a secondary market available after a minimum holding period. BuyProperly’s recurring 2.5% plus GST/HST management fee and non-standardized distribution schedule sit on the other side of that comparison.
Who Is BuyProperly Designed For?
BuyProperly positions itself around Canadian investors who want fractional exposure to real estate and, eventually, other private assets through a single AI-curated portal. The company has also described a cross-border option intended to let investors access properties in another country without separately managing that country’s tax and operational requirements themselves, according to Livabl. Its $500 minimum and five-year default term fit investors comfortable committing capital for a multi-year horizon in exchange for a recurring management fee rather than a one-time charge.
Is Fractional Real Estate Investing Safe?
Fractional real estate investing carries the same fundamental risks as direct property ownership, plus added platform and liquidity risk. Regulatory requirements also differ by jurisdiction, so confirming a platform’s registration status is a required step before committing capital.
In Canada, securities dealers and investment-fund managers generally must register with the applicable provincial or territorial securities regulator unless an exemption applies. In the United States, comparable offerings rely on exemptions such as Regulation D, Regulation Crowdfunding, and Regulation A, the last of which caps public offerings at $75 million and still requires SEC qualification before any money changes hands.
No fractional platform, including BuyProperly, can promise guaranteed income or guaranteed appreciation. Investors should treat any projected yield as an estimate, confirm a platform’s registration status, and read the specific offering documents for the property or fund before committing capital.
Ark7: A Lower-Fee Alternative for Rental Income Investors
Readers whose main concerns from this review are recurring management fees, inconsistent distribution schedules, or a long lock-in with limited exit options will find that Ark7 takes a structurally different approach. Unlike BuyProperly’s recurring 2.5% plus GST/HST charge, Ark7’s only costs are a one-time 3% sourcing fee and an 8–15% property-management fee taken from rental income, not from an investor’s principal.
Ark7 pays distributions monthly rather than on a schedule that varies by offering, and shares may become eligible for sale after a minimum holding period, subject to applicable laws and platform availability, with no assurance that a buyer or market will exist, though this still contrasts with BuyProperly’s five-year default term. The app holds a 4.7 rating on the Apple App Store.
Final Verdict on BuyProperly
BuyProperly offers a genuine, lower-than-direct-ownership entry point into fractional real estate, backed by an AI-driven sourcing process and a secondary marketplace for early exits. Its recurring 2.5% plus GST/HST management fee and five-year default holding period are the two terms that deserve the closest attention, since they compound differently than a one-time fee would, and no independently verified aggregate performance or review-score data for the platform was found in this research.
For investors specifically weighing fee structure and liquidity timelines, Ark7’s zero platform-fee model, monthly distributions, and secondary market access after a minimum holding period represent a different set of trade-offs worth comparing directly against BuyProperly’s terms before deciding where to put capital.
Frequently Asked Questions About BuyProperly
Is BuyProperly legitimate?
BuyProperly is an operating company founded in 2019 that structures each property as a separate corporation and issues investors proportional shares, as described in independent coverage from Wealth Professional and the Globe and Mail. It is not a BBB accredited business, according to its BBB profile, which reflects accreditation status rather than a fraud finding.
Is BuyProperly available in the United States?
BuyProperly is based in Toronto and, according to one industry summary, operates in Canada and the USA. Specific eligibility can vary by offering, so investors should confirm availability for their state or province before committing funds.
How often does BuyProperly pay dividends?
BuyProperly’s dividend and distribution frequency varies by offering and is not publicly standardized across its portfolio. Recurring property costs, including management and advertising, are deducted from those dividends before they reach investors, according to Toronto Realty Blog’s review of the fee structure.
Does BuyProperly charge GST/HST?
Yes. BuyProperly’s annual management fee is 2.5% plus GST/HST on the asset’s value, deducted from rental dividends rather than billed as a separate charge.
Can you sell BuyProperly shares before the five-year term ends?
Investors can attempt to exit early by listing shares on BuyProperly’s internal marketplace, but the default term is five years and the marketplace does not guarantee a buyer will be found at a given price or time.
Are BuyProperly returns guaranteed?
No. Like any real estate investment, BuyProperly’s dividends and appreciation depend on property performance, local market conditions, and the deduction of its 2.5% plus GST/HST management fee. No platform, including BuyProperly, can lawfully promise guaranteed income or appreciation.
Is BuyProperly better than Ark7?
The two platforms differ most in fee structure and liquidity: BuyProperly charges a recurring 2.5% plus GST/HST management fee with a five-year default term, while Ark7 charges no platform or AUM fee and offers secondary market access after a minimum holding period.
What are BuyProperly’s alternatives for investors outside Canada?
US-based investors who want fractional rental-property exposure without BuyProperly’s recurring management fee can look at platforms built around the US market, such as Ark7, which offers a $20 per-share minimum, monthly distributions, and no platform or AUM fees.
Real estate investing involves risk, including potential loss of principal. Past performance does not guarantee future results. This article is for informational and educational purposes only and does not constitute investment, legal, or financial advice.
