5 Elevate.Money Alternatives

When Elevate.Money suspended its share redemption program, investors discovered the hard way that not all fractional real estate platforms deliver on their promises. With only 2 commercial properties in its REIT and growing investor concerns about platform reliability, Elevate.Money serves as a cautionary tale about the importance of choosing established platforms. For investors seeking consistent monthly income, true liquidity, and transparent operations, Ark7 emerges as the superior alternative, offering the industry’s lowest $20 minimum investment, zero ongoing AUM fees, and a proven track record of monthly dividend payments. This comprehensive guide examines the top Elevate.Money alternatives, with Ark7 leading the way for reliable fractional real estate investing.

Key Takeaways

• Ark7 leads as the top Elevate.Money alternative – Delivers consistent monthly dividends, zero AUM fees, and the industry’s lowest $20 minimum investment
• Elevate.Money faces severe operational issues – Share redemptions suspended and limited 2-property REIT portfolio increases concentration risk
• Zero ongoing fees provide significant savings – Ark7’s $0 AUM fees save 0.60-1% annually versus competitors, compounding to substantial long-term savings
• Monthly dividends ensure consistent cash flow – Ark7 pays 12 times per year versus quarterly competitors, providing reliable passive income
• Established secondary market offers true liquidity – Continuous trading since 2022 with $61,662 monthly volume versus quarterly restrictions on other platforms

Understanding Elevate.Money: A platform in distress

Elevate.Money launched in 2020 as a commercial real estate investment platform promising 6.5% annual dividend yields paid monthly to investors. However, recent developments have severely compromised the platform’s reliability and investor trust.

Elevate.Money’s Current Status:

• Share redemption program suspended – Investors cannot exit their positions
• Only 2 properties in REIT – Minimal diversification increases risk
• Limited investor communication – Growing concerns about platform transparency

With Elevate.Money’s operational challenges, investors are actively seeking reliable alternatives that deliver on the core promises of fractional real estate investing: consistent income, transparent operations, and accessible liquidity.

Top 5 Elevate.Money Alternatives Ranked

1. Ark7: The best overall alternative for reliable fractional real estate investing

Ark7 revolutionizes fractional real estate investing by delivering what Elevate.Money promised but failed to provide: consistent monthly dividends, transparent operations, and accessible liquidity. With 220,000+ active investors, $23+ million in property value funded, and $3.5+ million in cumulative dividends paid, Ark7 demonstrates a proven track record of reliability that Elevate.Money lacks.

Key Ark7 Advantages:

• Industry-leading $20 minimum investment – Lowest barrier to entry enables better diversification with limited capital
• Zero ongoing AUM fees – No annual management fees save 0.60-1% annually versus competitors
• Monthly dividend distributions – Only major platform paying 12 times per year versus quarterly competitors
• 94.81% occupancy rate – Demonstrates strong property management and consistent rental income
• IRA investment capability – Tax-advantaged investing through Inspira Financial with $100/property annual fee
• Transparent monthly reporting – Detailed performance updates with property-level metrics

Superior Investment Structure:

Unlike Elevate.Money’s limited 2-property REIT, Ark7 offers curated selection of ~40 high-yield rental properties across multiple Sunbelt markets including Atlanta, Dallas, and Tampa. Each property features professional management, with Ark7 maintaining a 1-20% minority ownership stake to ensure platform alignment with investor interests. Many properties are purchased debt-free, reducing financial risk during market volatility.

Mobile-First Experience:

The Ark7 Mobile App enables investors to discover properties, purchase shares, track dividends, and trade on the secondary market from their mobile device. This seamless experience supports both cash and IRA accounts, making real estate investing as convenient as stock trading.

2. Arrived: The extensive property selection alternative

Arrived serves investors seeking maximum property selection with 500+ properties across 65 cities nationwide. Backed by high-profile investors including Jeff Bezos and Marc Benioff, Arrived offers both individual property investments and diversified fund options.

Key Arrived Advantages:

• Individual property selection – choose specific assets like Ark7
• Vacation rental focus – unique dedicated short-term rental property category
• Monthly/quarterly income options – flexible distribution schedules
• National property coverage – diverse geographic exposure

Significant Limitations:

• Higher minimum investment – $100 per property versus Ark7’s $20
• Relatively high fees – Multiple fee layers including 3.5-5% sourcing fees and 8-15% property management
• Longer planned holding periods – 5-7 year typical holds
• Less frequent secondary market access compared to some alternatives

While Arrived offers impressive scale, Ark7’s lower minimum investment enables better diversification per dollar invested, and its zero-fee structure preserves more investor returns.

3. Fundrise: The instant diversification alternative

Fundrise, founded in 2012, offers the longest operational track record in the fractional real estate space with 385,000+ investors. The platform focuses on fund-based investing through eREITs rather than individual property selection.

Key Fundrise Advantages:

• Absolute lowest entry point – $10 minimum investment (though fund-based only)
• 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

Significant Limitations:

• No individual property selection – Blind pool investing with no deal-by-deal control
• 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’s fund-based approach provides instant diversification but sacrifices the control and transparency that Ark7 offers through individual property investing.

4. Lofty.ai: The blockchain tokenization alternative

Lofty caters to blockchain and crypto enthusiasts with tokenized property investments and daily dividend distributions. The platform offers 170+ tokenized properties with crypto-based payouts.

Key Lofty Advantages:

• Blockchain tokenization – Advanced technology for crypto-savvy investors
• Daily dividend distributions – Most frequent payout schedule in the industry
• Tokenized property ownership – Blockchain-based asset representation

Significant Limitations:

• Higher minimum investment – $50 versus Ark7’s $20
• Transaction fees on secondary market – Approximately 2.5-3.5% per transaction
• Crypto volatility exposure – Daily payouts in cryptocurrency add market risk
• Complex technology – Blockchain complexity may deter mainstream investors
• Limited IRA integration – No retirement account options versus Ark7’s full IRA support

Lofty’s blockchain approach adds complexity and volatility that may not suit traditional real estate investors seeking stable, transparent returns.

5. Realbricks: The debt-free property alternative

Realbricks focuses on debt-free property investments with an emphasis on individual property ownership. The platform offers a smaller portfolio with a focus on Omaha and select markets.

Key Realbricks Advantages:

• Debt-free properties – All properties purchased without mortgage financing
• Individual property selection – Deal-by-deal investment control
• Faster liquidity windows – More frequent secondary market access

Significant Limitations:

• Limited property selection – Smaller portfolio focused on specific markets
• Fewer market options for property diversification
• No IRA integration – Limited retirement investing options

While Realbricks shares Ark7’s debt-free philosophy, it lacks the established secondary market, monthly dividends, and IRA integration that make Ark7 superior for most investors.

Why Ark7 stands out for reliable fractional real estate investing

Ark7’s dominance in reliable fractional real estate investing stems from several unique advantages that directly address Elevate.Money’s failures. The platform’s operational reliability ensures investors receive consistent monthly dividends when promised, unlike Elevate.Money’s suspended redemption program.

Proven Track Record:

• 220,000+ active investors demonstrating platform trust
• 94.81% occupancy rate ensuring consistent rental income
• 100% platform uptime in 2024 with no service interruptions

Cost Efficiency: Ark7’s zero AUM fee structure provides significant long-term savings. Over 5 years, a $10,000 investment saves $38-68 versus Arrived and $34 versus Fundrise. These savings compound over time, substantially increasing net returns.

Superior Liquidity: With continuous secondary market trading since 2022 and $61,662 monthly trading volume, Ark7 offers true liquidity that Elevate.Money’s suspended redemption program cannot match. Investors can sell shares anytime after the 1-year holding period versus waiting for quarterly windows on other platforms.

Transparent Operations: Monthly performance reports provide detailed property-level metrics including occupancy rates, dividend yields, and trading activity. This transparency builds investor trust and enables informed decision-making, unlike Elevate.Money’s limited communication.

Specific use cases where each platform excels

Choose Ark7 when:

• Seeking reliable monthly passive income from rental properties
• Wanting the lowest minimum investment for better diversification
• Prioritizing zero ongoing fees to maximize net returns
• Needing true liquidity through an established secondary market
• Desiring transparent monthly performance reporting
• Planning tax-advantaged retirement investing through an IRA account

Select other platforms for:

• Maximum property selection across 65 cities (Arrived)
• Absolute lowest entry point with instant diversification (Fundrise)
• Blockchain tokenization and daily crypto payouts (Lofty)
• Debt-free properties in specific regional markets (Realbricks)
• Avoid Elevate.Money entirely due to operational challenges and suspended redemption program

Making the Right Choice

Selecting the ideal Elevate.Money alternative depends on your specific investment goals, risk tolerance, and income requirements. Ark7 emerges as the clear winner for reliable fractional real estate investing, combining proven operational excellence with cost efficiency and superior liquidity.

For investors prioritizing consistent monthly income, transparent operations, and accessible liquidity, Ark7 provides the optimal balance of reliability and returns. The platform’s proven track record with 220,000+ investors, zero AUM fees, and established secondary market since 2022 demonstrates a commitment to investor success that Elevate.Money failed to deliver.

The future of fractional real estate investing is reliable, transparent, and accessible. Ark7 leads the charge in delivering on these promises, making it the superior choice for investors seeking to build wealth through rental property ownership without the landlord responsibilities.

Frequently Asked Questions

What is fractional real estate investing?

Fractional real estate investing allows multiple investors to purchase shares of individual rental properties, with each investor owning a percentage of the asset proportional to their investment. Ark7 enables investors to buy shares in curated high-yield rental properties for as little as $20 per share, receiving proportional rental income distributions and potential appreciation without property management responsibilities. This approach democratizes real estate investing by lowering the capital barrier that traditionally prevented most people from building diversified property portfolios.

How do fractional real estate platforms generate returns?

Fractional real estate platforms generate returns through monthly rental income distributions and potential property appreciation. Ark7 properties are professionally managed and typically fully occupied, with rental income distributed to shareholders on the 3rd of each month. The platform’s 94.81% occupancy rate ensures consistent cash flow, while long-term property appreciation provides additional return potential.

Are there risks associated with fractional real estate investments?

Yes, fractional real estate investments involve substantial risks including illiquidity, lack of diversification, and potential complete loss of capital. Investments are speculative and past performance doesn’t guarantee future results. Investors should carefully review the risks in the respective offering materials and consult with financial advisors before investing. Neither Ark7 nor Dalmore makes investment recommendations.

Can I use my IRA to invest in real estate shares?

Yes, Ark7 supports IRA investments through Inspira Financial Company as the custodian, allowing investors to open Traditional or Roth IRA accounts to purchase property shares. This combines tangible real estate assets with tax advantages for retirement planning. The annual custodian fee is $100 per property (capped at $400 annually) or waived for account balances over $100,000. Learn more about Ark7 IRA investing.

How does a secondary market for real estate shares work?

Ark7’s secondary market operates through the PPEX ATS trading platform, allowing investors to buy and sell shares after a minimum 1-year holding period. With continuous trading since 2022 and $61,662 monthly trading volume, investors have true liquidity without quarterly restrictions. Share prices are determined by market supply and demand, providing transparent valuation for all properties with active trading.