Ark7 vs Arrived

Choosing between fractional real estate platforms can determine your investment trajectory and passive income potential. While Arrived offers a large selection of properties across numerous markets, Ark7 delivers superior accessibility, cost efficiency, and liquidity for investors seeking to build wealth through rental real estate. Understanding these fundamental differences—between scale and strategic advantage—helps investors select the platform that matches their financial goals, risk tolerance, and investment timeline.

Key Takeaways

• Ark7 offers the lowest investment barrier in the industry – Start investing for just $20 per share compared to Arrived’s $100 minimum, enabling better diversification with limited capital
• Zero AUM fees create significant long-term savings – Ark7 charges no ongoing assets under management fees while Arrived charges 0.15% quarterly (0.60% annually), directly impacting net returns
• Established continuous secondary market provides superior liquidity – Ark7’s trading platform has operated since 2022 with continuous trading, while Arrived offers its secondary market in Summer 2025 with quarterly trading windows
• Monthly dividend distributions enhance cash flow – Ark7 pays monthly rental income distributions compared to Arrived’s quarterly payments for individual properties, providing more frequent passive income
• Transparent performance reporting builds investor confidence – Ark7 provides detailed monthly portfolio updates with property-level metrics including occupancy rates and dividend yields, enabling informed investment decisions

When investors seek to build wealth through rental real estate, the choice between fractional ownership platforms becomes critical. Two distinct approaches—Ark7 and Arrived—represent fundamentally different philosophies toward real estate investing. While Arrived operates with a focus on scale and property selection, Ark7 provides a strategically optimized platform emphasizing accessibility, cost efficiency, and liquidity. This comparison reveals why Ark7’s investor-first approach delivers superior value for those seeking to build wealth through rental real estate without the traditional barriers to entry.

Understanding Each Platform’s Core Positioning

Arrived positions itself as a large-scale fractional real estate platform, offering over 500 properties across 65 cities nationwide. Founded in 2021, Arrived has built its reputation on providing extensive property selection and diversified fund options, including their SFR Fund and Private Credit Fund. The platform serves both accredited and non-accredited investors with a minimum investment of $100 per share and has attracted high-profile backing from investors like Jeff Bezos and Marc Benioff.

Ark7 takes a strategically different approach. Founded in 2018 and launching its public platform in 2022, Ark7 specializes in curated high-yield rental properties with an emphasis on accessibility and operational excellence. Rather than focusing solely on quantity, Ark7 prioritizes quality, offering debt-free property options and maintaining a minority ownership stake (1-20%) in each property to ensure alignment with investors. The platform has served over 220,000 active investors and funded more than $23 million in property value, paying over $3.5 million in cash dividends to date.

The fundamental difference lies in philosophy: Arrived offers scale and selection, while Ark7 delivers strategic advantages through accessibility, cost efficiency, and transparency.

Platform Features Reveal Distinct Investor Benefits

Arrived’s platform features include:

• 500+ properties across 65 cities
• Single-family homes, vacation rentals, and fund options
• Quarterly dividend distributions for individual properties
• Secondary market operating as of 2025 with quarterly trading windows
• Property management fees of 8% for long-term rentals and 15-25% for short-term rentals
• 3.5% sourcing fee for long-term rentals and 5% for short-term rentals
• 0.15% quarterly AUM fee 

This approach works for investors seeking extensive property selection and diversified fund options but comes with higher costs and less frequent income distributions.

Ark7’s platform features focus on investor advantages:

• Curated selection of high-yield rental properties in 10+ markets
• Invest in rental homes for as little as $20 per share
• Monthly distributions from rental income
• Established secondary market operating since 2022 with continuous trading
• No AUM fees—zero ongoing costs based on assets under management
• Lower sourcing fees at 3% for long-term rentals
• Property management fees of 8-15% of gross rents
• Many debt-free property options reducing risk exposure

For example, while Arrived might offer more properties to choose from, Ark7’s strategic curation and lower costs create better long-term value. An investor with $100 can diversify across five different Ark7 properties versus being limited to a single property with Arrived.

Pricing and Fee Structures Reflect Different Value Propositions

The fee structures reveal each platform’s approach to investor value.

Arrived’s fee structure:

• Minimum investment: $100 per share
• Sourcing fee: 3.5% for long-term rentals, 5% for short-term rentals
• Property management: 8% for long-term rentals, 15-25% for short-term rentals
• AUM fee: 0.15% quarterly (0.60% annually)
• Early sale penalties: 2% if sold 6-12 months, 1% if sold 1-5 years

Ark7’s fee structure:

• Minimum investment: $20 per share
• Sourcing fee: 3% for long-term rentals
• Property management: 8-15% of gross rents
• AUM fee: $0
• Early sale penalties: None after 1-year holding period

When calculating total cost of ownership, the comparison becomes clear. For a $1,000 investment over five years, Ark7’s lack of AUM fees saves approximately $35 compared to Arrived. More importantly, Ark7’s lower minimum investment enables better diversification, spreading risk across multiple properties rather than concentrating it in a single asset.

The value equation strongly favors Ark7 for cost-conscious investors. Why pay ongoing AUM fees and higher minimums when you can access the same asset class with lower costs and better diversification potential?

Investment Accessibility and Minimum Requirements

Arrived’s accessibility features:

• $100 minimum investment per share
• Open to both accredited and non-accredited investors
• 6-month minimum holding period before secondary market access
• Quarterly trading windows (4 one-week periods per year)
• Fund options for investors seeking diversification

Ark7’s accessibility advantages:

• $20 minimum investment per share—lowest in the industry
• Open to both accredited and non-accredited investors
• Monthly dividend distributions providing consistent cash flow
• 12-month minimum holding period before secondary market access
• Continuous trading with no quarterly restrictions
• IRA investment options for retirement account integration

The accessibility difference proves critical for new investors and those with limited capital. According to industry analysis, Ark7’s $20 minimum represents the lowest barrier to entry among major fractional property platforms, enabling investors to build diversified real estate portfolios with minimal initial capital.

Liquidity and Secondary Market Capabilities

Both platforms offer secondary markets, but their implementation differs significantly.

Arrived’s liquidity features:

• 6-month minimum holding period
• Quarterly trading windows (4 one-week periods annually)
• Early sale penalties of 2% (6-12 months) and 1% (1-5 years)
• Limited historical trading data due to upcoming launch

Ark7’s liquidity advantages:

• Established secondary market since 2022
• 12-month minimum holding period
• Continuous trading with no quarterly restrictions
• No early sale penalties after the 1-year holding period
• $61,662 monthly trading volume (November 2025)
• Active trading in 26 properties (70% of portfolio) as of November 2025

The liquidity difference proves crucial for investors who may need to access their capital. Ark7’s established marketplace with continuous trading provides superior flexibility compared to Arrived’s planned platform with quarterly restrictions. According to platform data, Ark7’s secondary market has processed significant trading volume, demonstrating real liquidity rather than theoretical access.

Performance and Return Characteristics

Both platforms generate returns through rental income and potential appreciation, but their distributions differ.

Arrived’s performance characteristics:

• Quarterly dividend distributions for individual properties
• Monthly distributions for fund investments
• Historical returns ranging from 5.4% to 7.0% for rental properties
• SFR Fund historic annualized dividend yield of 4.02%
• Limited public disclosure of occupancy rates and property-level metrics

Ark7’s performance advantages:

• Monthly dividend distributions for all properties
• Annualized dividend yield of 3.96% (November 2025)
• Top property yields reaching 7.65% (Urbana-S11)
• Historical returns ranging from 2.5% to 6.4%
• 94.81% portfolio occupancy rate (December 2025)
• $75,538 monthly dividends paid (December 2025)
• Detailed monthly performance reports with property-level transparency

The performance difference lies not just in returns but in transparency. Ark7’s detailed monthly reporting enables investors to track occupancy rates, dividend yields, and trading activity, providing the information needed for informed investment decisions.

Property Selection and Market Focus

Arrived’s property strategy:

• 500+ properties across 65 cities nationwide
• Mix of single-family homes, vacation rentals, and fund options
• Properties with and without mortgage financing
• Limited disclosure of sponsor co-investment
• Focus on scale and geographic diversity

Ark7’s property strategy:

• Curated selection of approximately 40 high-yield properties
• Focus on Sunbelt markets including Dallas, Atlanta, and Tampa
• Many debt-free property options reducing risk exposure
• Sponsor co-investment 5-10% ensuring alignment
• Technology and AI-driven property sourcing combined with local expertise
• Properties professionally sourced, acquired, and managed end-to-end

While Arrived offers more properties to choose from, Ark7’s strategic curation focuses on quality over quantity. The platform’s emphasis on debt-free properties and sponsor co-investment creates better risk-adjusted returns and ensures alignment between the platform and investors.

User Experience and Platform Technology

Arrived’s user experience:

• Mobile app available for iOS and Android
• User-friendly platform navigation
• Basic marketplace functionality
• Limited trading insights and analytics
• Overall rating of 4.3/5 (MoneyWise)

Ark7’s user experience advantages:

• Mobile App features including property discovery, investment tracking, and share trading
• Intuitive interface designed for both beginners and experienced investors
• Real-time offer updates and operational highlights
• Portfolio insights and performance tracking
• Price transparency and trading insights in the secondary market

The platform technology difference reflects each company’s priorities. Ark7’s mobile app connects directly to the trading platform, enabling investors to manage their entire portfolio from their mobile device. The platform’s emphasis on transparency extends to the user interface, where investors can access detailed property information and trading data.

Regulatory Compliance and Investor Protections

Both platforms operate under SEC Regulation A+, but their compliance structures differ.

Arrived’s compliance structure:

• SEC Regulation A+ qualified offerings
• FINRA-registered broker-dealer of record
• Standard investor protections and disclosures
• Limited public disclosure of compliance details

Ark7’s compliance advantages:

• SEC Regulation A+ qualified offerings
• Dalmore Group LLC as FINRA and SIPC-registered broker-dealer of record
• Full operational transparency with complete legal and financial disclosure accessible 24/7
• Detailed offering circulars available for each property series
• Electronic securities issuance through regulated channels
• Accredited business certification

Ark7’s commitment to transparency extends to regulatory compliance, where investors can access complete legal and financial disclosures at any time. The platform’s partnership with Dalmore Group LLC, a registered broker-dealer and member of FINRA and SIPC, provides additional investor protections and regulatory oversight.

Why Ark7 Delivers Superior Value for Real Estate Investors

Investors seeking to build wealth through rental real estate face a clear choice between scale and strategic advantage. While Arrived offers extensive property selection, Ark7’s investor-first approach delivers superior long-term value through accessibility, cost efficiency, and liquidity.

Key advantages of Ark7’s approach:

• Unmatched accessibility: The $20 minimum investment enables better diversification and lowers the barrier to entry for new investors. This strategic advantage allows investors to spread risk across multiple properties rather than concentrating capital in a single asset.

• Significant cost savings: Zero AUM fees save 0.60% annually compared to Arrived’s ongoing charges. Over time, this compounds to substantial additional returns, directly impacting long-term wealth building.

• Superior liquidity: The established continuous secondary market operating since 2022 provides real liquidity with no quarterly restrictions. Investors can trade shares anytime rather than waiting for specific trading windows, providing greater flexibility and control.

• Enhanced cash flow: Monthly dividend distributions provide more frequent passive income compared to Arrived’s quarterly payments for individual properties. This regular cash flow supports investors who rely on rental income for expenses or reinvestment.

• Strategic property selection: Curated high-yield properties with many debt-free options and sponsor co-investment create better risk-adjusted returns. The platform’s emphasis on quality over quantity ensures that each property meets rigorous underwriting standards.

For investors seeking to build wealth through rental real estate without traditional barriers to entry, Ark7 represents the superior approach to fractional real estate investing. The combination of industry-leading accessibility, cost efficiency, and liquidity creates compelling value that larger platforms cannot match.

Frequently Asked Questions

What is the minimum investment required for Ark7 vs Arrived?

Ark7 offers the lowest minimum investment in the fractional real estate industry at just $20 per share, while Arrived requires a minimum of $100 per share. This significant difference enables Ark7 investors to better diversify their portfolios with limited capital. For example, investors can purchase shares in five different properties with $100 on Ark7 versus being limited to a single property on Arrived. This lower barrier to entry makes real estate investing accessible to a broader range of investors.

How do Ark7 and Arrived generate passive income for investors?

Both platforms generate passive income through rental income distributions and potential property appreciation. However, Ark7 pays monthly dividend distributions from rental income, while Arrived pays quarterly distributions for individual properties (monthly for their funds). Ark7’s more frequent distributions provide better cash flow for investors who rely on passive income. Both platforms handle property management and tenant relations, allowing investors to earn truly passive rental income.

Are investments on Ark7 and Arrived liquid, and can shares be sold?

Both platforms offer secondary markets for share trading, but with significant differences. Ark7’s secondary market has operated since 2022 with continuous trading and no quarterly restrictions, while Arrived offers their secondary market in Summer 2025 with quarterly trading windows (4 one-week periods annually). Ark7 requires a 12-month holding period with no early sale penalties, while Arrived allows sales after 6 months but charges penalties of 2% (6-12 months) or 1% (1-5 years). Ark7’s established marketplace provides superior liquidity and flexibility.

What are the fees associated with investing through Ark7 and Arrived?

Ark7 charges lower overall fees with a 3% sourcing fee (vs. Arrived’s 3.5% for long-term rentals), no AUM fees (vs. Arrived’s 0.15% quarterly/0.60% annually), and no early sale penalties after the 1-year holding period. Arrived’s fee structure includes higher sourcing fees, ongoing AUM charges, and early sale penalties, creating a higher total cost of ownership over time. For a $1,000 investment over five years, Ark7’s lack of AUM fees saves approximately $35 compared to Arrived.

Is real estate investing on these platforms suitable for beginners?

Both platforms are suitable for beginners, but Ark7’s lower minimum investment and monthly dividend distributions make it particularly accessible for new investors. The $20 minimum allows beginners to start small and gradually build their real estate portfolio while learning the asset class. Ark7’s transparent reporting and detailed property information help beginners make informed investment decisions. Neither platform requires prior real estate investing experience or accreditation.

Can I invest retirement funds (IRA) through Ark7 or Arrived?

Ark7 offers IRA investment options through Inspira Financial Company as the custodian, allowing investors to use Traditional or Roth IRA funds to purchase real estate shares. Ark7 charges no platform fee to open an IRA, with an annual custodian fee of $100 per property (capped at $400 annually, waived for account balances over $100,000). This enables tax-advantaged real estate investing for retirement planning. Arrived’s IRA availability is not clearly specified in their public materials.