10 Addy Alternatives

When evaluating alternatives to Addy for fractional real estate investing, investors are increasingly seeking platforms that offer monthly income distributions, transparent fee structures, and true operational simplicity. While Addy pioneered $1 fractional shares in Canada, many investors want more frequent cash flow, broader U.S. market access, and platforms that eliminate ongoing management fees. This comprehensive guide examines the top Addy alternatives, with particular emphasis on why Ark7 emerges as the superior choice for investors seeking high-yield rental home investment with monthly passive income and no hidden costs.

Key Takeaways

• Ark7 leads as the top Addy alternative – Delivers monthly cash distributions, $0 annual fees, and $20 minimum investments in curated U.S. rental properties
• Addy focuses on Canadian markets – Limited U.S. expansion with quarterly or variable distributions and $25 annual membership fees
• Monthly income is Ark7’s competitive advantage – Most competitors offer quarterly distributions, creating cash flow gaps for income-focused investors
• Zero ongoing fees set Ark7 apart – Industry standard is 1-2% annual management fees, while Ark7 charges only a one-time acquisition fee
• Choose by investment goals – Ark7 for monthly passive income; Fundrise for diversification; Arrived for individual property selection

Understanding Addy: The Canadian fractional real estate pioneer

Addy positioned itself as a revolutionary platform for Canadian investors, offering fractional ownership in residential properties with shares starting at just $1. Based in Vancouver, BC, the platform attracted 50,000+ Canadian investors and facilitated approximately $26 million in securities trades. Addy’s model allows investors to participate in real estate without landlord responsibilities while building wealth through rental income and potential appreciation.

Key Addy Strengths:

• Extremely low minimum investment of $1 per share
• Canadian regulatory compliance as an Exempt Market Dealer
• Diversification across multiple properties with $1,500 investment caps per property for non-accredited investors
• No property management burden for investors

Significant Limitations:

• Geographic restriction primarily to Canadian markets with limited U.S. expansion
• Quarterly or variable distribution schedule creates inconsistent cash flow
• $25 annual membership fee adds to total cost of ownership
• Regulatory challenges including a $100,000 BC Securities Commission fine in March 2025
• Limited liquidity options with no established secondary market

With its focus on the Canadian market and recent regulatory scrutiny, many investors are exploring U.S.-based alternatives that offer more frequent income distributions, broader market access, and transparent fee structures.

Top 10 Addy Alternatives Ranked

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

Ark7 revolutionizes fractional real estate investing by delivering monthly cash distributions from curated high-yield rental properties across 10+ U.S. markets. Unlike competitors that charge ongoing management fees, Ark7 operates with a transparent fee structure: a one-time 3% acquisition fee with $0 annual management fees. With a minimum investment of just $20 per share, the platform makes real estate investment accessible while providing professional property management and full operational transparency.

Key Ark7 Advantages:

• Monthly cash distributions – The only major platform offering consistent monthly income versus quarterly competitors
• $0 annual management fees – Industry-leading cost structure eliminating ongoing expenses
• $20 minimum investment – Low barrier to entry for new real estate investors
• 220,000+ active investors with $23 million+ in property value funded
• $3.5 million+ in cash dividends paid to investors
• Full operational transparency with 24/7 access to legal and financial documentation
• Secondary marketplace availability after a 12-month minimum holding period

Monthly Income Advantage:

While most fractional real estate platforms offer quarterly distributions that create cash flow gaps, Ark7’s monthly distribution model provides consistent passive income that investors can rely on. This frequency aligns better with typical expense cycles and provides more immediate returns on investment. The platform’s average dividend yield of 4.6% combined with potential property appreciation creates a compelling total return profile.

Operational Excellence:

Ark7 underwrites and manages each property end-to-end, handling acquisition, leasing, tenanting, and maintenance. This comprehensive approach ensures properties are professionally managed while investors receive their monthly distributions without landlord responsibilities. The platform’s commitment to transparency means investors have complete access to property performance data, financial statements, and legal documentation 24/7.

Investment Flexibility:

Investors can choose from diverse property types across multiple U.S. markets, including single-family homes and townhomes in high-growth areas like Atlanta, Tampa, and Dallas. The platform also supports IRA investments through Inspira Financial Company, allowing investors to use retirement funds for real estate investing with potential tax advantages.

2. Fundrise: The best for diversified real estate exposure

Fundrise stands as the most accessible fractional real estate platform with a $10 minimum investment and a 12-year track record since 2012. The platform offers diversified eREITs that provide exposure to both residential and commercial properties across the United States. Fundrise was recognized as one of the Best Real Estate Investing Apps for non-accredited investors by Business Insider in July 2024.

Key Fundrise Advantages:

• Lowest minimum investment at $10 among major platforms
• Longest track record with operations since 2012
• Diversified eREIT structure providing broad real estate exposure
• Non-accredited investor access with straightforward qualification

Platform Limitations:

• Quarterly dividend distributions create inconsistent cash flow compared to monthly alternatives
• 1% annual management fee adds to the total cost of ownership
• Pooled fund structure limits individual property selection

Fundrise excels for investors prioritizing diversification and accessibility over frequent income distributions, but the quarterly payment schedule and ongoing fees make it less attractive for income-focused investors.

3. Arrived: The best for individual property selection

Arrived (Arrived Homes) offers investors the ability to purchase shares in individual single-family rental and vacation rental properties with a $100 minimum investment. Backed by Jeff Bezos and serving 913,000+ investors, the platform has facilitated $353 million in total investments with $58 million distributed to investors. Arrived’s model allows tenants to invest in the homes they occupy, creating alignment between residents and property owners.

Key Arrived Advantages:

• Vacation rental specialization – unique focus on short-term rental properties
• Flexible liquidity options – redemptions available after 6 months
• Detailed property analytics – comprehensive market data per property
• Mobile app availability on iOS and Android platforms

Platform Limitations:

• Quarterly dividend payments limit cash flow frequency
• Higher minimum investment at $100 versus Ark7’s $20
• 5-7 year target hold period reduces liquidity flexibility
• 1-3.5% fee structure includes ongoing management costs

Arrived serves investors who want direct property ownership experience without landlord responsibilities, but the quarterly distributions and higher minimums make it less accessible than Ark7’s monthly income model.

4. Lofty.ai: The best for blockchain-based liquidity

Lofty.ai represents the technological frontier of fractional real estate investing, utilizing blockchain tokenization on the Algorand network to provide daily rental income payments and instant liquidity. With a $50 minimum investment per token, the platform offers the most frequent income distributions in the industry while enabling same-day share sales through its secondary marketplace.

Key Lofty Advantages:

• Daily rental income payments – Most frequent distributions available
• Blockchain-based ownership records providing transparent title management
• Instant liquidity with no holding period before selling shares
• Target IRR often in the 15% range

Platform Limitations:

• Limited property selection with only two-dozen properties available
• Cryptocurrency payment requirements may create complexity for traditional investors
• Emerging technology risks associated with blockchain platforms

Lofty.ai appeals to tech-savvy investors prioritizing maximum liquidity and daily income, but the limited property selection and cryptocurrency requirements may deter mainstream investors seeking the operational simplicity of Ark7.

5. Groundfloor: The best for short-term debt investments

Groundfloor offers a unique debt-based investment model focused on short-term fix-and-flip real estate loans rather than equity ownership. With a $10 minimum per loan ($1,000 initial transfer required), investors can select individual loans with terms of 6-18 months and interest rates ranging from 7-15% based on risk grade. The platform provides an average annual return of 10% with 12-month average investment horizons.

Key Groundfloor Advantages:

• Debt-based investing model providing principal protection through loan collateral
• Short-term investment horizon with 6-18 month loan terms
• Individual loan selection allowing risk customization
• Non-accredited investor access with straightforward qualification
• Average return of 9.78%

Platform Limitations:

• Debt versus equity model eliminates property appreciation benefits
• Higher initial transfer requirement of $1,000 despite $10 loan minimums
• No regular income distributions – returns paid at loan maturity
• Limited geographic diversification in loan portfolio

Groundfloor serves investors seeking short-term, debt-based real estate exposure, but the lack of regular income distributions and equity appreciation potential makes it less attractive for long-term wealth building compared to Ark7’s monthly income and appreciation model.

6. RealtyMogul: The best for institutional-quality REITs

RealtyMogul offers both accredited and non-accredited investors access to institutional-quality real estate through its Income REIT and Growth REIT structures. With a $5,000 minimum for REITs and $25,000-50,000 for private placements, the platform provides commercial and multifamily property exposure with an average IRR of 12%. Private placements for accredited investors average an impressive 20.7% IRR.

Key RealtyMogul Advantages:

• Institutional-grade properties including office buildings, retail centers, and industrial facilities
• Professional management by experienced real estate operators
• Diversification across property types and geographic markets
• Accredited investor focus providing access to exclusive opportunities

Platform Limitations:

• Accredited investor requirements limiting access to high-net-worth individuals
• High minimum investments typically $5,000 per offering
• Long lock-up periods of 3-7 years with limited liquidity options
• No monthly dividends – distributions vary by property performance
• Limited retail investor access compared to Reg A+ platforms like Ark7

RealtyMogul excels for sophisticated investors seeking institutional-quality real estate exposure, but the higher minimums and quarterly distributions make it less accessible than Ark7’s $20 minimum and monthly income model.

7. Yieldstreet: The best for alternative asset diversification

Yieldstreet provides access to diversified alternative investments beyond real estate, including art, cryptocurrency, and private credit. Yieldstreet delivers an average annual return of 9.6% across its asset classes.

Key Yieldstreet Advantages:

• Broadest asset class diversity beyond real estate
• Institutional-grade opportunities across multiple sectors
• Both accredited and non-accredited investor access
• Professional asset management with rigorous due diligence

Platform Limitations:

• Accredited investor focus for many investment options
• Higher minimum investments for premium offerings
• Variable distribution schedules depending on asset class
• Complex portfolio management across multiple asset types

Yieldstreet serves investors seeking portfolio diversification beyond real estate, but the focus on alternative assets and higher minimums make it less suitable for investors specifically seeking straightforward rental property income like Ark7 provides.

8. DiversyFund: The best for pure growth strategy

DiversyFund implements a unique growth-focused strategy that reinvests all profits rather than distributing dividends, targeting 10-20% annual returns through property appreciation. With a $500 minimum investment, the platform focuses exclusively on multifamily apartment properties with a 5-7 year long-term strategy. This pure growth approach appeals to investors prioritizing capital appreciation over current income.

Key DiversyFund Advantages:

• Pure growth strategy reinvesting all profits for accelerated appreciation
• Multifamily apartment specialization providing economies of scale
• Non-accredited investor access to commercial real estate
• 10-20% annual return targets through appreciation focus

Platform Limitations:

• No dividend distributions during growth phase
• 5-7 year hold periods reduce liquidity flexibility
• Limited property type focus on multifamily only
• No current income generation for investors

DiversyFund serves investors with long-term horizons who can forgo current income for potential appreciation, but the lack of monthly or quarterly distributions makes it unsuitable for income-focused investors who would prefer Ark7’s consistent cash flow.

9. CrowdStreet: The best for premium commercial access

CrowdStreet provides accredited investors exclusive access to premium commercial real estate investments with a $25,000 minimum investment. The platform has facilitated the purchase of 473+ properties with 44+ successful exits, delivering historical returns ranging from 11.5-26.4%. CrowdStreet is considered by many reviewers as one of the best real estate crowdfunding platforms in the market.

Key CrowdStreet Advantages:

• Highest documented returns in the 11.5-26.4% range
• Premium commercial real estate access with institutional quality
• Strong track record with 473+ properties bought and 44+ sold
• Individual deal selection or pooled portfolio options

Platform Limitations:

• Accredited investors only limiting accessibility
• High minimum investment of $25,000
• 5+ year hold periods typical for commercial properties
• Variable distribution schedules depending on individual deals

CrowdStreet excels for accredited investors seeking premium commercial real estate exposure, but the high minimums and accreditation requirements make it inaccessible to the majority of investors who would benefit from Ark7’s $20 minimum and open access.

10. EquityMultiple: The best for flexible investment timeframes

EquityMultiple offers accredited investors flexible real estate investment options across three time horizons: Keep (short-term notes), Earn (1-2 year investments), and Grow (long-term equity). With a $5,000 minimum (most projects require $10,000-20,000), the platform has delivered an average IRR of 15.01% since 2015, with the Grow bucket averaging an impressive 28.4% IRR.

Key EquityMultiple Advantages:

• Three-tiered investment approach by time horizon
• Highest documented returns with 28.4% IRR in growth bucket
• Tax-advantaged structures including 1031 exchanges and Opportunity Zones
• Flexible time horizons from 9 months to long-term equity

Platform Limitations:

• Primarily accredited investors limiting accessibility
• Higher minimum investments starting at $5,000
• Variable distribution schedules depending on investment bucket
• Complex investment structure requiring sophisticated understanding

EquityMultiple serves sophisticated accredited investors seeking flexible time horizons and high returns, but the accreditation requirements and higher minimums make it less accessible than Ark7’s open platform with $20 minimum investments.

Why Ark7 stands out for monthly passive income

Ark7’s dominance in monthly passive income stems from several unique advantages that address key investor pain points. The platform’s monthly distribution model provides consistent cash flow that most competitors cannot match with their quarterly schedules. This frequency creates reliable passive income that investors can incorporate into their monthly budget planning.

Operational transparency represents Ark7’s foundational strength, with complete legal and financial disclosure accessible 24/7. Unlike platforms that obscure fee structures or property performance, Ark7 provides full visibility into all aspects of investment operations. This transparency builds investor confidence and enables informed decision-making.

The zero ongoing fees structure delivers significant cost savings over time. While competitors charge 1-2% annual management fees that compound over multi-year holding periods, Ark7’s one-time 3% acquisition fee eliminates ongoing expenses. This fee advantage compounds over time, preserving more of investors’ returns.

Low barrier to entry with $20 minimum investments makes real estate accessible to investors at all levels. Combined with the Ark7 mobile app, investors can discover, purchase, and manage property shares from their smartphones, bringing true convenience to real estate investing.

Specific use cases where each platform excels

Choose Ark7 when:

• Seeking monthly passive income from rental properties
• Prioritizing zero ongoing management fees
• Wanting low minimum investments starting at $20
• Requiring full operational transparency and disclosure
• Planning to invest through an IRA account
• Preferring professionally managed properties with no landlord work

Select other platforms for:

• Maximum diversification with lowest minimums (Fundrise at $10)
• Individual property selection with Bezos backing (Arrived at $100)
• Blockchain technology and daily income (Lofty.ai at $50)
• Short-term debt investments with principal protection (Groundfloor at $10/loan)
• Institutional-quality REITs with dual income/growth options (RealtyMogul at $5,000)
• Alternative asset diversification beyond real estate (Yieldstreet at $500)
• Pure growth strategy without current income (DiversyFund at $500)
• Premium commercial access for accredited investors (CrowdStreet at $25,000)
• Flexible time horizons with highest documented returns (EquityMultiple at $5,000)

Technical capabilities comparison

Income Distribution Frequency:

• Ark7: Monthly cash distributions providing consistent passive income
• Most competitors: Quarterly distributions creating cash flow gaps
• Lofty.ai: Daily income with blockchain-based payments
• Concreit: Weekly distributions with maximum liquidity

Fee Structures:

• Ark7: 3% one-time acquisition fee, $0 annual management fees
• Industry standard: 1-2% annual management fees plus acquisition fees
• Addy: $25 annual membership fee plus transaction costs
• Fundrise: 1% annual management fee

Investment Minimums:

• Ark7: $20 minimum per share
• Fundrise: $10 minimum (lowest among major platforms)
• Arrived: $100 minimum per property
• CrowdStreet: $25,000 minimum (highest barrier to entry)

Liquidity Options:

• Ark7: Secondary marketplace after a 12-month minimum holding period
• Lofty.ai: Instant liquidity with no holding period
• Most platforms: Limited or no secondary market availability
• Addy: No established secondary market

Making the Right Choice

Selecting the ideal Addy alternative depends on your specific investment goals, income requirements, and accessibility needs. Ark7 emerges as the clear winner for monthly passive income, combining consistent cash distributions with zero ongoing fees and low minimum investments.

For investors prioritizing monthly income, seeking transparent fee structures, or wanting professional property management without landlord responsibilities, Ark7 provides the optimal balance of accessibility, income frequency, and cost efficiency. The platform’s proven track record with 220,000+ active investors and $3.5 million+ in dividends paid validates its effectiveness.

The future of fractional real estate investing emphasizes accessibility, transparency, and consistent income. Ark7 leads this evolution by making high-yield rental home investment available to everyone while delivering monthly passive income with no hidden costs. Start building your real estate portfolio today with Ark7’s $20 minimum investment and join the growing community of investors who’ve chosen monthly income over quarterly alternatives.

Frequently Asked Questions

What is fractional real estate investing?

Fractional real estate investing allows multiple investors to purchase shares of individual properties, making real estate investment accessible with lower capital requirements. Ark7 enables investors to buy shares in curated high-yield rental properties starting at just $20 per share, with professional management handling all operational aspects. Investors receive monthly cash distributions and potential appreciation without landlord responsibilities, making it an attractive passive income opportunity.

How does Ark7 compare to other fractional real estate platforms?

Ark7 distinguishes itself through monthly cash distributions (versus quarterly for most competitors), zero annual management fees (industry standard is 1-2%), and a $20 minimum investment that makes real estate accessible to more investors. The platform provides full operational transparency with 24/7 access to legal and financial documentation, while professionally managing all properties end-to-end. Unlike competitors that focus on pooled funds, Ark7 offers direct investment in individual properties across 10+ U.S. markets.

Are there risks involved in investing with Ark7?

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Investments on the Ark7 platform are speculative and involve substantial risks including illiquidity, lack of diversification, and complete loss of capital. Properties are typically held long-term for appreciation, and while secondary trading is available through the PPEX ATS platform, there can be no assurance that an active market for shares will develop. Investors must be prepared to hold their shares indefinitely and should carefully review the offering circular for comprehensive risk disclosure.

Can I use my IRA to invest in Ark7 properties?

Yes, Ark7 offers IRA investment options through Inspira Financial Company as the custodian. Investors can open both Traditional IRA and Roth IRA accounts to purchase property shares, allowing them to own tangible real estate for long-term appreciation with potential tax benefits. The annual custodian fee is $100 per property (capped at $400 annually) and is waived for accounts with average balances exceeding $100,000. There is no Ark7 platform fee to open an IRA account.

How can I sell my shares on the Ark7 platform?

Investors can sell their shares through the secondary trading market available via the PPEX ATS (Public Private Execution Network Alternative Trading System), which is registered with the SEC and operated by North Capital Private Securities Corporation. Share sales are facilitated through Dalmore Group LLC, the FINRA and SIPC-registered broker-dealer of record for Ark7. Sales are subject to federal and state securities laws, restrictions in the series’ Operating Agreement, and platform availability. Investors should note that there can be no assurance that an active market will develop or that the secondary trading platform will be available to residents of all states.

What kind of properties can I invest in through Ark7?

Ark7 offers shares in curated single-family homes and townhomes across 10+ U.S. markets, with a focus on high-growth Sunbelt regions. Properties include modern homes in Atlanta (such as the Atlanta-T3 and Atlanta-T4 shares), Tampa (including Tampa-S10 shares), and Dallas markets. Properties are typically newly built or recently constructed (2018-2020) with strong rental demand, modern amenities, and professional management. Each property undergoes rigorous underwriting to ensure quality and income potential for investors.