Ark7 vs Concreit

Investors seeking passive income through real estate face a critical choice between platforms offering property-specific control versus pooled fund simplicity. While Concreit provides an ultra-accessible entry point with weekly dividends from a single fund, Ark7 delivers the unique combination of direct property selection and secondary market liquidity. Understanding these fundamental differences—between blind-pool investing and transparent, individual property ownership—helps investors select the approach that matches their desire for control, transparency, and long-term wealth building.

Key Takeaways

• Ark7 offers property-specific investing with secondary market liquidity – Investors can select individual rental properties and sell shares after a 12-month hold period, unlike Concreit’s pooled fund with limited withdrawal options
• Transparency and control drive better investment decisions – Ark7 provides monthly property-level operating statements and performance data (93.24% occupancy as of June 2025), while Concreit offers aggregated fund performance only
• Ark7 enables true portfolio diversification across property types – Access to single-family homes, multifamily properties, and short-term rentals on one platform, compared to Concreit’s single pooled fund
• $20 minimum investment provides exceptional accessibility with control – Ark7’s low entry point allows portfolio diversification across multiple specific properties, bridging the gap between Concreit’s $1 minimum and Arrived’s $100 minimum
• IRA investment options enhance long-term wealth building – Ark7 offers built-in Traditional and Roth IRA investing through Inspira Financial Company, while Concreit’s IRA options are not clearly disclosed

When choosing a fractional real estate platform, investors must decide between simplicity and control. Two distinct approaches—Concreit and Ark7—represent fundamentally different philosophies toward real estate investing. While Concreit operates as a pooled fund offering weekly dividends with minimal decision-making, Ark7 provides direct ownership in specific, cash-flowing rental properties with full transparency. This comparison reveals why Ark7’s property-specific approach with secondary market liquidity delivers superior value for investors seeking both passive income and long-term wealth building through real estate.

Understanding Each Platform’s Core Positioning

Concreit positions itself as an ultra-accessible real estate investment platform, offering a single pooled fund that invests across debt and equity real estate opportunities. Founded in 2018 and headquartered in Seattle, Concreit has built its reputation on democratizing real estate investing through a $1 minimum investment and weekly dividend payments. The platform serves investors seeking hands-off exposure to real estate without the complexity of property selection or management decisions.

Ark7 takes a radically different approach. Founded in 2019, Ark7 specializes in fractional ownership of individual, cash-flowing rental properties with full operational transparency. Rather than pooling investor capital into a blind fund, Ark7 allows investors to select specific properties across single-family homes, multifamily units, and short-term rentals in 10+ U.S. markets. The platform has attracted over 220,000 active investors and funded more than $23 million in property value, demonstrating strong market confidence in its property-specific model.

The fundamental difference lies in ownership structure: Concreit offers fund shares with no property selection, while Ark7 provides direct fractional ownership in specific rental properties with full transparency.

Investment Models Show Distinct Strategic Approaches

Concreit’s pooled fund model includes:

• Single investment fund with no property selection
• $1 minimum investment making it highly accessible
• Weekly dividend payments providing frequent cash flow
• Auto-invest features and goal-setting tools
• Mobile-focused platform with limited desktop functionality
• Professional fund management handling all investment decisions
• Withdrawal requests processed in approximately 1 week (subject to availability)

This simplified approach works for investors seeking maximum simplicity and frequent income, but removes all control over property selection and diversification strategy.

Ark7’s property-specific model focuses on direct ownership:

• Individual property selection with full financial and operational transparency
• Properties professionally sourced, acquired, and managed by Ark7
• Monthly cash distributions aligned with standard rental income cycles
• Secondary market liquidity through PPEX ATS after 12-month holding period
• Access to multiple property types: single-family, multifamily, and short-term rentals
• Full operational transparency with 24/7 access to legal and financial documents
• Built-in IRA investing options for tax-advantaged wealth building

The control advantage becomes crucial for informed investors. While Concreit decides all investment allocations, Ark7 investors can build custom portfolios across specific properties and markets based on their investment thesis and risk tolerance.

For example, Ark7 investors can choose between properties like the Atlanta-T3 townhome in Jonesboro, GA, or the Tampa-S10 single-family home in Land O Lakes, FL, reviewing detailed market data, property specifications, and projected returns before investing. This level of control simply doesn’t exist with Concreit’s pooled approach.

Pricing and Fee Structures Reflect Different Value Propositions

The fee structures reveal each platform’s transparency and value delivery.

Concreit’s fee structure:

• $1 minimum investment
• $5 monthly fee for balances under $5,000
• 1% annual management fee for balances of $5,000 or more
• Fees embedded within fund structure, limiting transparency
• No separate acquisition or property management fees disclosed

Ark7’s transparent fee structure:

• $20-100 minimum investment per share (typically $100)
• 3% one-time acquisition fee on property purchases
• 8-15% property management fee of rental income (8-10% for long-term rentals, higher for short-term)
• No annual management fees beyond property-level charges
• No transaction fees on secondary market trades
• $100 annual IRA custodial fee per property (capped at $400, waived for balances over $100,000)

When evaluating total cost of ownership, Ark7’s transparency provides significant advantages. While Concreit’s fee structure appears simpler, the embedded costs within their pooled fund lack the transparency that enables informed investment decisions. Ark7’s clear fee disclosure aligns with their commitment to operational transparency and investor empowerment.

The value equation strongly favors Ark7 for investors seeking both accessibility and control. Why settle for blind-pool investing when you can own specific properties with full transparency for only $20 more per share?

Target Investors Reveal Fundamental Philosophy Differences

Concreit primarily serves absolute beginners and investors seeking maximum simplicity:

• Investors with very limited capital ($1-$100)
• Those preferring completely hands-off investing
• Investors prioritizing weekly cash flow over property selection
• Users comfortable with mobile-only platform experience
• Investors not concerned with specific property details or market exposure

Ark7 targets informed investors seeking control and transparency:

• Investors wanting to select specific properties and markets
• Those building diversified real estate portfolios across property types
• Investors utilizing IRA accounts for tax-advantaged real estate investing
• Users valuing monthly property-level performance reporting
• Investors planning medium to long-term holds with potential secondary market exit

This distinction matters fundamentally. Investors who want to understand exactly what they own—and benefit from both rental income and potential property appreciation—require Ark7’s property-specific approach. Concreit’s pooled fund model may provide simplicity, but it removes the educational and strategic benefits of direct property ownership.

Performance and Transparency Demonstrate Control Advantages

Both platforms showcase performance, but the nature and transparency of these metrics differ dramatically.

Concreit’s performance reporting focuses on aggregated fund metrics:

• Historical annual returns of 5.5-6.5%
• Weekly dividend distributions
• Limited property-level transparency due to pooled structure
• Performance data aggregated across all fund investments

Ark7’s performance reporting emphasizes property-specific transparency:

• 93.24% portfolio occupancy rate as of June 2025
• $80,077.22 in monthly dividends distributed to investors
• 4.42% portfolio annualized dividend return rate
• Individual property yields ranging from 2.5% to 8.33%
• Active secondary market trading available for eligible properties
• Monthly operating statements for each property
• Detailed market data and property performance metrics

The transparency difference proves critical for informed investing. Ark7’s June 2025 portfolio update reveals top-performing properties like Urbana-S11 yielding 8.33% and Dallas-S8 delivering 6.51%, enabling investors to make data-driven decisions about property selection and portfolio allocation. Concreit’s aggregated reporting provides no such insights, leaving investors blind to the underlying performance drivers.

Liquidity Options Show Critical Structural Differences

Liquidity represents one of the most important differentiators between these platforms.

Concreit’s liquidity model:

• Weekly withdrawal requests (approximately 1 week processing time)
• Subject to fund availability and redemption limits
• No secondary market for share trading
• Mobile-only redemption process
• Potential delays during high-demand periods

Ark7’s liquidity model:

• Secondary market trading through PPEX ATS after 12-month holding period
• Active trading available for eligible properties
• Price discovery through actual market transactions
• Full web and mobile platform access for trading
• Electronic share issuance with no physical certificates

While Concreit offers faster initial liquidity, their redemption-based model creates dependency on fund availability and management decisions. Ark7’s secondary market provides true liquidity through actual market pricing and trading, giving investors control over their exit timing and pricing. This market-based approach aligns with traditional securities markets and provides greater long-term flexibility.

For investors planning strategic exits or portfolio rebalancing, Ark7’s secondary market offers superior control and transparency compared to Concreit’s redemption-based system.

Platform Features and User Experience

Concreit’s platform features:

• Mobile-first design with limited desktop functionality
• Auto-invest capabilities for hands-off investing
• Goal-setting tools for investment planning
• Simple, streamlined user interface
• Weekly dividend tracking
• $1 minimum making it highly accessible

Ark7’s comprehensive platform includes:

• Full web and mobile platform with complete functionality
• Ark7 Mobile App for property discovery and portfolio management
• Property-specific investment selection with detailed market analysis
• Monthly performance reporting by individual property
• IRA account integration for tax-advantaged investing
• Secondary market trading capabilities
• 24/7 access to offering documents and operational data

The platform experience reflects each company’s philosophy. Concreit optimizes for simplicity and accessibility, while Ark7 prioritizes transparency and control. For investors who want to actively manage their real estate portfolio and understand their investments, Ark7’s comprehensive platform provides the tools and information needed for informed decision-making.

Risk Management and Regulatory Compliance

Concreit’s compliance approach:

• SEC-qualified offerings
• Limited public disclosure of regulatory partnerships
• Aggregated risk across pooled fund structure
• Minimal property-level risk disclosure

Ark7’s comprehensive compliance framework:

• SEC Regulation A+ qualified offerings
• FINRA and SIPC-registered broker-dealer (Dalmore Group LLC)
• Accredited business certification
• 4.2/5 Trustpilot rating based on 243 reviews
• Detailed risk factor disclosure in offering circulars
• Property-specific risk assessment and disclosure
• Series LLC structure with Ark7 holding 1-20% minority ownership in each property

Ark7’s commitment to regulatory compliance and transparency extends beyond basic requirements. The platform’s detailed risk disclosures, property-specific documentation, and regulatory partnerships demonstrate a commitment to investor protection that goes beyond Concreit’s simplified approach.

Why Ark7 Delivers Superior Value for Real Estate Investors

Investors seeking meaningful real estate exposure require more than just accessibility—they need control, transparency, and long-term wealth building potential.

Key advantages of Ark7’s approach:

• Property selection control: Choose specific properties in markets aligned with your investment thesis, rather than relying on blind-pool fund management. This control enables strategic portfolio construction across different property types and geographic markets.

• Transparent performance tracking: Access monthly property-level operating statements, occupancy rates (93.24% as of June 2025), and individual property yields (top performers at 8.33%). This transparency enables informed investment decisions and portfolio optimization.

• Secondary market liquidity: Ark7 offers active secondary market trading for eligible properties on the secondary market, providing exit options unavailable with traditional pooled funds. After the 12-month hold period, investors can sell shares based on actual market demand and pricing.

• True portfolio diversification: Build custom portfolios across single-family homes, multifamily properties, and short-term rentals, creating genuine real estate diversification within one account.

• Tax-advantaged investing: Built-in IRA options through Inspira Financial Company enable tax-deferred or tax-free real estate investing, enhancing long-term wealth building potential.

For investors seeking both passive income and long-term wealth building through real estate, Ark7 represents the superior approach to fractional real estate investing. The combination of property-specific control, transparent performance reporting, secondary market liquidity, and comprehensive platform features creates compelling value that pooled fund models cannot match.

Frequently Asked Questions

What is the minimum investment required for Ark7 compared to Concreit?

Ark7 offers shares starting at $20-100 per property (typically $100 minimum), providing exceptional accessibility while maintaining property-specific investing. Concreit has a lower $1 minimum but only offers pooled fund investing with no property selection. Ark7’s $20 shares enable meaningful portfolio diversification across multiple specific properties, bridging the accessibility gap while providing superior control and transparency. This slight premium delivers substantial value through direct property ownership and selection capabilities.

How does Ark7 ensure transparency for its investors?

Ark7 provides comprehensive transparency through 24/7 access to complete legal and financial disclosure documents, monthly property-level operating statements, and detailed performance reporting. As of June 2025, the platform reported a 93.24% occupancy rate and provided individual property yields ranging from 2.5% to 8.33%. This property-specific transparency enables informed investment decisions, unlike Concreit’s aggregated fund performance reporting that provides no insight into underlying property performance. Investors can review detailed market data, property specifications, and actual operating results for every property before and after investing.

Can I sell my Ark7 shares if I need liquidity?

Yes, Ark7 facilitates share sales on the secondary trading market through PPEX ATS after a 12-month holding period. The platform offers active secondary market trading for eligible properties, demonstrating real liquidity and price discovery. While Concreit offers faster withdrawal processing (approximately 1 week), their redemption-based model creates dependency on fund availability, whereas Ark7’s market-based approach provides greater control and transparency for investors seeking to exit positions. This gives investors true ownership control over their exit timing and pricing strategies.

What are the fees associated with an Ark7 IRA account?

Ark7 IRA accounts have no platform opening fee, with custodial fees of $100 per property per year (capped at $400 annually) through Inspira Financial Company. These fees are waived for accounts with average balances exceeding $100,000, making tax-advantaged investing accessible for long-term wealth builders. This transparent fee structure enables tax-advantaged real estate investing with clear cost disclosure, unlike Concreit where IRA options and associated fees are not clearly disclosed. Investors can build diversified real estate portfolios within their retirement accounts with full cost visibility.

How does Ark7 compare to other traditional investment options?

Unlike traditional stocks or REITs, Ark7 provides direct fractional ownership in specific, cash-flowing rental properties with monthly distributions and potential appreciation. The platform offers tangible asset ownership with professional management, combining the benefits of real estate investment with the accessibility of fractional shares. Ark7’s property-specific approach provides greater control and transparency than pooled alternatives while maintaining the passive income benefits investors seek. This unique model bridges the gap between direct real estate ownership and accessible fractional investing.

Is Ark7 available for international investors?

No, Ark7 operations are exclusive to the U.S., without international business engagements. The platform serves U.S. residents only, complying with SEC Regulation A+ requirements and state securities laws. This U.S.-only focus enables Ark7 to maintain comprehensive regulatory compliance and provide consistent investor protection standards across all offerings. International investors seeking fractional real estate exposure would need to explore platforms available in their jurisdictions.