Fundrise vs Arrived comes down to how hands-on you want to be with real estate you’ll never have to fix a toilet in.
Pick Fundrise if you want the cheapest way in, $10, and you’d rather pick a plan and let it spread your money across a bunch of properties and loans. Pick Arrived if you want to choose the actual rental homes or vacation rentals you own a slice of, starting at $100.
Neither one is a savings account. Both are long-term, hard-to-sell investments that could lose money, so only put in cash you won’t need for years.
Fundrise vs Arrived at a glance
Here’s how the two stack up on the stuff that actually decides it.
| Platform | Minimum | Yearly cost | What you own | Next step |
|---|---|---|---|---|
 FundriseLowest minimum | $10$1,000 for an IRA | About 1%0.15% advisory + 0.85% management | Shares of Fundrise funds, picked through a plan | Start With $10No accreditation needed |
 ArrivedPick your own homes | $100in every offering | 0.1% to 0.30% a quartervaries by product, plus property costs | Shares of specific rental homes, vacation rentals or Arrived funds | Browse PropertiesStarts at $100 |
As of October 2026. Arrived figures are from its help center. Fundrise minimums and management fee are from NerdWallet’s Fundrise review, and its 0.15% advisory fee is from Fundrise’s Form CRS.
The real difference: a plan vs picking houses
This is the part that matters most.
With Fundrise, you don’t pick properties. You pick a plan, and your money goes into Fundrise’s own funds. Its advisory arm lists them as the Fundrise Real Estate Interval Fund, the Fundrise Income Real Estate Fund, the Fundrise Growth Tech Fund and the Fundrise eFund. Each fund holds a lot of projects, so one bad deal is a small piece of what you own.
Arrived works more like shopping. You browse single-family rentals and vacation rentals, look at the numbers on each one, and buy shares of the homes you like. Property managers handle tenants and repairs, so a broken water heater at 2 a.m. isn’t your problem.
Arrived also has funds if you don’t want to choose. The Single Family Residential Fund holds a bunch of rentals, City Funds hold rentals in one market, and the Real Estate Income Fund lends money for renovations, rehabs and new construction.
So which one’s better? If you want to set it and forget it, Fundrise is less work. If you’d actually enjoy looking at a house in a market you know and saying “I want a piece of that one,” Arrived is more fun. That’s not nothing.
Fundrise vs Arrived fees and minimums
Fundrise is cheaper to start. $10 gets you in, versus $100 at Arrived.
On ongoing costs, Fundrise’s are easier to pin down. You pay a 0.15% advisory fee on what you have invested, and the funds in its standard portfolios pay a 0.85% management fee. That’s about 1% a year all in, or roughly $10 for every $1,000. Funds can also charge extra fees on specific projects, and those are in the offering documents.
Arrived charges an asset management fee of 0.1% to 0.30% per quarter, depending on the product. That’s about $1 to $3 a quarter for every $1,000. Also, closing costs and a one-time sourcing fee are built into each property’s offering price, and repairs, property management and taxes get paid out of the rent before you see a dividend.
Bottom line: the platform fees are close. What’s built into each deal matters more, so read the offering details before you buy anything on either one.
Fundrise vs Arrived returns
Nobody can tell you what either one will earn. Here’s what each company shows, with its own fine print.
Arrived’s help center gives an estimated historical range of 6 to 10% a year in total returns for a diversified mix of its single-family rentals, with 3 to 5% of that from income. That range is a model, not a track record. Arrived built it from 20 years of Zillow home price data and its own dividend yields through early 2023, and says it’s for illustration only. It lists the Real Estate Income Fund’s last 12 months of dividends at 8.35% as of August 2026. Arrived’s own words: past performance doesn’t guarantee future results.
The individual homes are where you see the risk. On Arrived’s homepage when we checked, most of the listed valuations were up, but one home was down 40.9%. That’s what picking single properties can look like.
Fundrise posts its client returns on its own site. Our Fundrise review walks through its year-by-year figures. Fundrise’s own disclaimer says past performance is no guarantee of future results and that all securities involve risk and could result in partial or total loss.
Own a slice of real estate without picking deals
Choose a plan and Fundrise spreads your money across its funds. No accreditation needed.
Start With FundriseInvesting involves risk, including loss of principalGetting your money out
This is where people get burned, so read it twice.
Fundrise
You can ask to sell, but it’s not instant. The Flagship and Income funds don’t charge an early redemption penalty. eREIT and eFund shares held less than five years cost about 1% to sell early. Fundrise can also delay or suspend redemptions when the economy gets rough, which is exactly when you’d want out.
Arrived
Nothing moves for your first six months. After that, it depends on what you bought.
For single homes, you list shares on Arrived’s secondary market, which opens for a one-week trading window each month. You need a buyer, your price could be lower than what you paid, and the broker can take up to 2.5% on each side of the trade.
For Arrived’s funds, you request a redemption once a quarter. There may be a redemption fee depending on how long you’ve held, and Arrived generally limits fund redemptions to 5% of the fund’s value per quarter and 20% per year.
Real talk: on both, plan to leave the money alone for years.
Who can invest
You don’t need to be an accredited investor for either one. That’s a big deal, since a lot of real estate platforms only let in people with more than $1 million in net worth (not counting your home) or $200,000+ in income.
Arrived is open to U.S. citizens and green card holders who live in the 50 states and are 18 or older. You can invest through a checkbook IRA or a solo 401(k) too. Fundrise offers IRAs with a $1,000 minimum.
If you are accredited and want bigger single deals, our First National Realty Partners review covers one option. Not accredited? Our list of real estate crowdfunding for non-accredited investors has more places to look.
How you get paid
Arrived’s current policy is to pay out each property’s cash flow monthly, though it says that could change. A home with no tenant or a big repair might skip a month, and that cash goes to the property’s reserves.
Fundrise pays distributions from its funds, and its income-focused plan aims for quarterly dividends from projects that earn regular income. Neither company guarantees a dividend.
Want to pick the actual homes you own a piece of? Arrived starts at $100.
Browse Arrived →Who should pick which
Pick Fundrise if
- You want to start with as little as $10
- You’d rather pick a plan than pick properties
- You want your money spread across many projects automatically
- You want a regular IRA option
Pick Arrived if
- You want to choose specific rental homes
- You like the idea of owning part of a vacation rental
- You want monthly dividends from single properties
- You’re fine holding at least six months before any exit
Can you use both? Sure. Some people keep a core position in Fundrise and buy a few Arrived homes in markets they know. Just don’t treat either one as your emergency fund.
For the deep dives, read our Fundrise review and our Arrived review. And if neither one clicks, here are some Fundrise alternatives.
Bottom line: for most people starting out, Fundrise is the easier first step, since it costs $10 to try and does the picking for you. Arrived is the better fit if you want to own pieces of specific homes and don’t mind a $100 start.
Fundrise vs Arrived FAQs
It depends on how you want to invest. Fundrise is better if you want a $10 start and a plan that spreads your money across its funds for you. Arrived is better if you want to pick specific rental homes or vacation rentals, starting at $100.
Fundrise starts at $10, or $1,000 for an IRA, and higher minimums can apply on some plans. Arrived’s minimum is $100 in every offering.
No. Both are open to non-accredited investors. Arrived requires you to be a U.S. citizen or green card holder living in the 50 states and at least 18.
Fundrise charges a 0.15% advisory fee, and the funds in its standard portfolios pay a 0.85% management fee, about 1% a year in total. Arrived charges an asset management fee of 0.1% to 0.30% per quarter depending on the product, plus costs built into each property’s offering price.
No. Arrived requires a six-month hold, then you can sell single-home shares on its monthly secondary market or request a quarterly redemption from its funds, with possible fees. Fundrise processes redemption requests but can delay or suspend them, and eREIT and eFund shares held under five years cost about 1% to sell early.
Arrived’s current policy is to pay each property’s cash flow monthly, though it says that could change. Fundrise’s income-focused plan aims for quarterly dividends. Neither company guarantees a dividend.
Yes. Both are real estate investments that could lose value, and past performance doesn’t guarantee future results. Only invest money you can leave alone for years.
