Fundrise Review: Invest in Real Estate with Just $500

Effortless Ways To Earn Money

I've been using Fundrise for the past year, here's my take in this Fundrise review .

Fundrise Summary:

Wouldn’t it be great if you could invest in commercial real estate and apartments without dealing with all the hassle of buying, improving, and re-selling real estate? You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

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Fundrise allows individuals to invest in commercial real estate online through an eREIT (Real Estate Investment Trust). Their crowdsourcing model sets them apart from a traditional REIT allowing the average investor to participate in deals for as little as $500.

The interesting thing about Fundrise is that it lets investors buy into private commercial and residential properties by pooling their assets through an investment platform. Since the eREIT is sold directly to investors cutting out middle-men, they can have fees lower than 90% of the competition.

Here are some quick facts about Fundrise:

  • A diverse portfolio of private real estate deals
  • Minimum investment of $500
  • Management and advisory fees add up to about 1%
  • If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.
DescriptionApp
Fundrise

With Fundrise, you can invest your money in a portfolio filled with real estate investments with only $500.
  • Minimum Investment: $500
  • Fees: 0.85% asset management fee per year
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fundrise

Fundrise Fees & Features

Minimum Investment$500
Account Fees1%/year
Private REITcheckmark
Property TypesCommercial, Residential, Single-Family
Regions Served50 States

Don’t you wish there was someone who could assist you in making the right kind of investments? Well, real estate companies like Fundrise exist to serve that purpose only. Interestingly, Fundrise is one of the few online real estate companies that let average investors make quality investments into private commercial and residential properties.

As you may realize, most of the online real estate platforms (jump to Fundrise alternatives) serve only accredited investors. It means they are only available to people who have a net worth of more than $1 million, excluding the value of the houses, and/or to the people who have an annual income of $200,000 as individuals ($300,000 for a couple). However, all the current products and services at Fundrise are available to non-accredited investors as well.

Now talking about the products, the real estate investment trusts, or REITs, are the main products of this real estate company. A REIT usually invests in real estate assets that produce a significant amount of income, either through the purchase and management of buildings or by holding mortgages.

Interestingly, REITs at Fundrise do not trade on a public exchange and are highly illiquid. It means there is no assurance of buyers for those investors who are willing to sell their shares. Fundrise generally offers a redemption program, but even that comes with some limitations.

Since Fundrise is an online service provider, it focuses on the online nature of the REITs (eREITs). However, that is not the only product they offer. There are eFunds as well. They allow the investors to use their pooled money to purchase land, build housing estates and then sell it to buyers and likewise.

fundrise

There are risks involved with investing in non-traded REITs. However, the benefits are also quite rewarding. Interestingly, the average annual return for the Fundrise investments in the year 2017 was 11.44% (net of fees), as per the company.

Click here to sign up to see Fundrise’s latest investment opportunities.

Real Estate Investments with Fundrise

As mentioned earlier, Fundrise generally deals with two kinds of portfolios in the domain of real estate investments.

eREIT

An eREIT or electronic Real Estate Investment Trust is a professionally managed portfolio of commercial real estate assets, like hotels, apartments, shopping malls, office buildings etc. Quite similar to exchange-traded fund or mutual fund, this investment portfolio allows you to diversify across various real estate properties with minimum effort at a cost-effective price.

The eREIT at Fundrise is not very different from the conventional REITs. Generally, an investor purchases share of an eREIT, and that particular eREIT invests that money in the commercial real estate. Over the period, the eREIT generates money through property appreciation, interest on real estate debt, rent payments – all of which are distributed later among the shareholders.

Currently, Fundrise is offering a number of eREIT investment options, and each of them has something unique to offer:

Income eREIT

The income eREIT primarily aims to offer consistent cash distributions to the investors. In fact, it focuses on making debt investments in commercial real estate assets that have the potential to generate constant cash flow. The current annualized dividend for this form of investment is around 10.5 percent, net of fees.

Growth eREIT

The Growth eREIT at Fundrise aims to acquire commercial real estate assets that can draw appreciation. This investment portfolio focuses on paying moderate dividends on a quarterly basis while ensuring a higher return is paid out at the investor’s end as a result of appreciation.

This offers long-term growth in the price per eREIT share. Currently, the annualized dividend for this form of investment is approximately 8 percent, net of fees.

West Coast, Heartland, and East Coast eREITs

As you can guess, each of these eREITs is based on specific geographical locations. These investment options offer a perfect balance between income and growth, making them the perfect choice for investors.

West Coast

This investment option targets commercial real estate assets situated in the metro areas like San Francisco (CA), Los Angeles (CA), San Diego (CA), Seattle (WA), Portland (OR), etc.

Heartland

This location-based investment option marks the commercial real estate assets in the metro areas like Houston (TX), Dallas (TX), Austin (TX), Chicago (IL) and Denver (CO).

East Coast

This option targets the metro areas in the East Coast, including New York, New Jersey, Massachusetts, North Carolina, South Carolina, Florida, and Georgia, as well as Washington (DC), and Philadelphia (PA).

Each of these eREITs has an annual dividend of around 8.5 percent currently.

eFund

eFund is a diversified, professionally managed investment portfolio of residential real estate assets, like townhomes, single-family detached homes, condominiums, etc. Just like the eREIT offerings, you can also choose eFunds to invest in various groups of residential real estate assets.

At Fundrise, you get three different choices for the eFund option. Each of these eFund choices differs by geographical locations. All three of these options – Los Angeles eFund, Washington (DC) eFund, and the National eFund aim to acquire residential properties for the development of For-Sale Housing.

The primary objective of these eFund options is to target debt and equity investments in homes, condominiums, and townhomes in each of these geographical locations. Fundrise aims to build and sell the residential housing properties that may help generate revenues for the eFund shareholders.

Learn More About Fundrise

Underwriting and Evaluation of Real Estate Properties

Fundrise has adopted an interesting way of evaluating real estate properties that allow them to cherry-pick the potentially valuable properties. They follow the strategy of “value investing” which lets them purchase real estate assets with lesser acquisition cost and comparatively higher replacement cost or intrinsic value.

In this aforementioned approach, the main objective is to acquire a real estate property at an attractive price and then improve its value through renovation, strategic positioning and partnerships. After adding value to the existing property, Fundrise generates revenue from the particular property through interest payments, profits from a potential sale and rental income.

While choosing a property for investment, Fundrise checks four crucial areas to make the final call:

  • Economic Analysis: As the name gives away, this is a thorough economic study that includes return sensitivity checks and several other stress tests to ensure the viability of the particular project.
  • Loan Sponsor Analysis: In this analysis, the loan applicant needs to pass a credit and background check. This is carried out in order to get a decent idea about the person, his/her prior loans, track record, and experience.
  • Property Analysis: In order to evaluate the property, Fundrise conducts a review of the project budget and its schedule, cost basis, and appraisal and the estimated property performance.
  • Market Analysis: The properties that are shortlisted for acquisition by Fundrise go through a supply-and-demand analysis, comparison of the local properties, and on-site reviews.

It is because of this strict evaluation process that Fundrise is one of the successful real estate companies in the market. Interestingly, Fundrise reviews more than 2,500 prospective real estate deals every year. However, only 1 percent of those deals are approved for investments.

Click here to sign up to see Fundrise’s latest investment opportunities.

Fundrise eDirect Real Estate Platform

The basic idea of creating the eDirect platform was to serve as a fully automated investment solution that allows the users to evaluate and invest in private-market real estate assets. It also provides significant support with accounting and reporting through the online dashboard.

Once you try investing through Fundrise, your portfolio will be compared against a variety of eREITs and eFunds to see which strategy is going to suit your profile. Fundrise has three different strategies to offer. Each of these strategies varies depending on the underlying real estate holdings.

Learn More About Fundrise

Supplemental Income

This particular income portfolio is ideal for the investors that are searching for an additional option for passive income. This supplemental income involves a huge allocation to eREITs that produce significant incomes. Its performance is primarily driven by annual dividends.

InvestmentAllocation of Percentage
East Coast eREIT18.22%
Heartland eREIT18.22%
West Coast eREIT18.22%
Income eREIT32%
Growth eREIT4.44%
Los Angeles eFund4.44%
Washington DC eFund4.44%

Balance Investing

This form of a balanced portfolio is meant for investors who want to maximize diversification. Interestingly, it also offers an equal allocation across all forms of eREIT and eFund investments. In fact, its performance is driven by the combination of dividends and appreciation.

InvestmentAllocation of Percentage
East Coast eREIT14.29%
Heartland eREIT14.29%
West Coast eREIT14.29%
Income eREIT14.29%
Growth eREIT14.29%
Los Angeles eFund14.29%
Washington DC eFund14.29%

Long-term Growth

If an investor wants to maximize his/her total return over time, this investment portfolio is the perfect match for them. This option involves a larger allocation to growth eREIT and a smaller allocation to income eREIT. Quite similar to the balance investing option, its performance is also driven by appreciation and dividends.

InvestmentAllocation of Percentage
East Coast eREIT12.89%
Heartland eREIT12.89%
West Coast eREIT12.89%
Income eREIT8%
Growth eREIT17.78%
Los Angeles eFund17.78%
Washington DC eFund17.78%


Click here to sign up to see Fundrise’s latest investment opportunities.

Reviewing Your Fundrise Investments

The Fundrise platform has a great user experience to offer, regardless of which portfolio you choose. As you log on to your Fundrise account, you will find your investment dashboard, where you can learn about your account balance as well as the detailed overview of the real estate holdings you have.

fundrise

Fundrise explains the risks involving each of the investments quite explicitly with colorful graph and letter ratings. In fact, the platform also uses a grading system, ranging from A to E, which allows the investors to compare and evaluate various assets across their particular portfolio. The rating system at Fundrise is supposed to be objective and driven by facts and data about investments.

The dashboard also allows you to have a better idea about each investment as it offers a professionally designed invest summary for each option. As you navigate through the page, you can even view the exact location of the property apart from the detailed investment summary. The whole platform is designed to provide users with a rich experience.

Click here to sign up to see Fundrise’s latest investment opportunities.

Fundrise Liquidity

Since Fundrise banks on investor capital to make most of the deals, it usually prefers to collaborate with long-term investors, not the individuals who look for frequent trades. This explains why the private-market approach of the company is fairly illiquid.

Here, the five-year liquidity schedule works in the following manner:

Holding Period from Date of SettlementEffective Redemption Price (in the percentage of per-share redemption price)
<90 days100%
90 days – 3 years97%
3 – 4 years98%
4 – 5 years99%
>5 years100%

Fundrise allows its investors to liquidate their shares on a quarterly basis. However, the redemption value depends on the holding period as mentioned above. So if you are planning to sell your Fundrise shares before the completion of the 5-year holding period, you should be ready to experience a small amount of loss during the redemption.

Learn More About Fundrise

Fundrise Taxation

As an investor, you are supposed to receive income from an eREIT and/or eFund, depending on your Fundrise portfolio. Interestingly, both these forms of income are tax-inefficient.

  • eREITs: As the law, dictates, (e)REITs must distribute more than 90 percent of all earnings to the shareholders. The dividend payments from Fundrise are, however, taxed as ordinary income. Also, the dividend payments are reported on tax form 1099-DIV every year.
  • eFunds: Since the underlined tax structure is a partnership, the income from eFunds is taxed as ordinary income. In fact, any income that you receive is going to be reported on tax form K-1.

Fundrise allows you to open a taxable brokerage account quite easily. However, the income will be taxed like any other ordinary income during the year it is received. You can easily reinvest any dividends to buy additional shares of each investment through Fundrise Dividend Reinvestment Program (DRIP). However, the taxation remains unchanged. Whether you take the dividend as cash or reinvestment, it is always taxed during the year it is received.

Funrise also allows its investors to open an individual retirement account (IRA) through Millennium Trust Company that protects all dividends from taxation. The IRA charges an annual fee of $75 per Fundrise investment held in the account.

Click here to sign up to see Fundrise’s latest investment opportunities.

Fundrise Fees

Fundrise charges only 1 percent of the assets under their management on a yearly basis. That 1 percent is broken down into two parts:

  • Investment Advisory: This segment covers automated distributions, investor relations, automatic asset rebalancing, composite tax reporting – basically, everything that falls under the digital platform. The fee amounts to 0.15% per year.
  • Asset Management: This particular segment oversees the real estate properties in the portfolio and covers the ongoing operations like accounting, financing, construction, marketing of all properties, sales, zoning and much more. The fee for asset management amounts to 0.85% per year.

One of the good things about Fundrise offerings is that there’s no transaction fee or sales commission applied to them. Each and every reported dividend and return is net of fees.

Learn More About Fundrise

Fundrise Performance

Since its inception, Fundrise has made more than 100 real estate investment deals which accumulate the net worth of $1.2 billion (approximately). Interestingly, these investments have also provided investors with a return of $20 million, which is undoubtedly an impressive figure.

As mentioned previously, Fundrise invests in private-market real estate offerings. And quite contrary to the publicly-traded REITs, Fundrise demonstrates an approach that is quite similar to a private equity fund. It originates, underwrites, negotiates and finally closes on debt and equity investments.

Fundrise, as it appears, expect their private-market dealings to generate a continuing return premium. This practice certainly puts them way ahead of their publicly traded alternatives.

Click here to sign up to see Fundrise’s latest investment opportunities.

Pros and Cons of Investing in Fundrise

Like any other service out there in the market, even the Fundrise products and services also have a mixture of benefits and disadvantages. What makes Fundrise stand out in the crowd is its array of features that offers the users a seamless and rewarding experience.

Benefits

  • The fees for the services at Fundrise are comparatively lower. The annual fee set for an asset under their management is 1 percent of its net worth. Usually, traditional approaches cost around 5-6 percent annually. For people, who do not want to spend a significant amount of their earning on paying fees, Fundrise is a perfect choice.
  • An individual has the option to invest in Fundrise through IRA. As mentioned previously, if you have opened a self-directed IRA, you are allowed to invest your funds in Fundrise notes.
  • To help you find your desired investment option, Fundrise offers you the filter option alongside its search through the feature. You can customize the search and find potentially profitable deals. This is a great feature for those who like to have some control over their investments.
  • Creating an account in Fundrise is absolutely free. You don’t even need to pay any charges to maintain that account or to browse the investment options. So if you want to have a thorough look at the website and its functionalities, you can. In fact, it is recommended that you check the entire site and its services before making your decision.
  • The income in the Fundrise real estate investments is inherently passive in nature. The interesting part of this platform is that it does not take intensive planning or homework like the conventional way of real estate investments. All you need to do is select the investment plan. Fundrise takes care of the rest.
  • There are rolling maturity dates for most Fundrise investments. With a few exceptions, the Fundrise investment options usually allow you to withdraw part or complete value of your investment periodically. So even if your investments are not liquid, Fundrise still gives you a choice to have access to your money every few years.
  • Investing through Fundrise is quite secure and convenient for the users. Besides letting you invest from the comfort of your home, the platform also lets you add funds using an electronic check. And interestingly, it also provides with the option to sign on documents online.

Downsides

  • There are a number of investment options at Fundrise that are not available to the unaccredited investors. These options are outside of the new eREIT products. There are several ways to meet the criteria for becoming an accredited investor. But even the easiest ones take several years to work.
  • The investments at Fundrise remain illiquid until they reach maturity. Here, you don’t get the option of a secondary market. A secondary market allows the investors to sell notes in case they need to cash out. Since Fundrise doesn’t offer that option, you, as an investor, cannot access your money whenever you want. However, Fundrise has introduced a stopgap measure recently which is supposed to make it easier for the investors to cash out.
  • Currently, Fundrise offers a limited number of investment options. In fact, an accredited investor does not have enough options for investments at Fundrise. Perhaps, with time, Fundrise will introduce more services, but until that happens, there are only a few options to explore for the investors.
  • Since the company is relatively new, there’s not too much information to explore. In 2015, the investors earned around 13 percent (on an average) on their investments, while it dipped to 9 percent on the very next year. In 2018, they have again managed to get the average annualized returns to up. This time it was around 11 percent. It will be quite interesting to find out how their operations go in 2021.
Fundrise Review 2019

The Best Fundrise Alternatives

So what Fundrise alternatives are out there that offer real estate crowdfunding?

  • Groundfloor vs Fundrise
  • Roofstock vs Fundrise
  • PeerStreet vs Fundrise
  • CrowdStreet vs Fundrise
  • EquityMultiple vs Fundrise

These are all the top Fundrise competitors. Below, I’ll share some of the best real estate investment options you have besides Fundrise.

Groundfloor

groundfloor review

Groundfloor is a peer to peer real estate lending platform for fix-and-flip properties open to all investors. The low minimum investment of only $10 opens up direct access to private real estate deals to you — and allows you to spread your risk and make great returns.

A accredited investor is an individual with a net worth, or joint net worth of over $1 million, or an annual income of over $200,000 ($300,00 with a spouse) in the past two years.

The great thing about Groundfloor is that — unlike most other platforms or eREITS — you can invest with as little as $10. This means that an initial $100 (which you can earn within a day) investment allows you to diversify into 10 different opportunities, and you can easily try out the platform if you’re new to real estate investing. Groundfloor tells us that the average investment per loan on the platform is $316, but one can certainly start off slow and build up from there.

Historically, Groundfloor investors have averaged 10-12% annualized returns, on a 6-18 month timeframe, with no investor fees charged.

Groundfloor is also an award-winning company, with the following distinctions:

  • Ranked in the top 10% (#402) on Inc. Magazine’s 2020 Inc. 5000 List
  • HousingWire Tech 100 Award
  • Fintech Breakthrough Award for Best Crowdfunding Platform
  • Benzinga Global Fintech Awards Finalist
  • Atlanta Business Chronicle Pacesetter Award 
  • Technology Association of Georgia Top 10 Most Innovative Companies
  • Technology Association of Georgia’s Fintech ADVANCE Award
  • Atlanta Inno’s 50 on Fire Award
  • TiE Atlanta Entrepreneur of the Year Award
  • Golden Bridge Award for Startup of the Year
DescriptionGo
Groundfloor

Groundfloor offers short-term, high-yield real estate debt investments to the general public.
  • Minimum Investment: $10
  • Fees: No fees
OPEN ACCOUNT
aspiration

Related: Groundfloor Review: Invest in Real Estate with as Little as $10

Roofstock

make money roofstock

Instead of meeting up with real estate agents, start using Roofstock when buying rental properties, you need to sign up and create your investor profile. The Roofstock app is designed for people who want to invest in single-family rental homes. 

Roofstock is a unique app that lets you:

  • Buy and rent out properties for passive income
  • Diversify your portfolio by allowing you to purchase properties that can immediately give you a steady flow of income
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Roofstock

Roofstock allows you to purchase a slice of a rental home allowing you to earn passive income.
  • Minimum Investment: $5,000
  • Fees: Between 8% and 10% of the purchase price
OPEN ACCOUNT
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PeerStreet

PeerStreet allows anyone to invest in real estate, without the hassle or expense of managing property.

Introducing the first marketplace for investing in real estate debt. Now you can invest in the loans made to borrowers, and as they pay back their loans, you make money.

It’s simple. Borrowers pay monthly interest on real estate loans, and you get your share of those payments as they are received. That is real estate debt investing.

PeerStreet has a low required minimum of $1,000 and a diverse portfolio of offerings. However, it’s just for accredited investors. Start here to create your investor account and you can be investing in moments.

DescriptionGo
PeerStreet

Introducing the first marketplace for investing in real estate debt. Now you can invest in the loans made to borrowers, and as they pay back their loans, you make money.
  • Minimum Investment: $1,000
  • Fees: 0.25% - 1.0% setup fee
OPEN ACCOUNT
peerstreet

CrowdStreet

CrowdStreet is a crowdfunding platform that lets regular folks invest in the real estate industry, which was once reserved for wealthy people. 

CrowdStreet is an online marketplace where you can choose from available real estate investments. CrowdStreet allows you to:

  • CrowdStreet is an excellent platform for investors who want to diversify their portfolio with real estate assets
  • It offers valuable information to make real estate investments easy to understand

Get unparalleled access to institutional-quality real estate deals online. Register for a free account and start building your real estate portfolio.

DescriptionGo
CrowdStreet

Get unparalleled access to institutional-quality real estate deals online. Register for a free account and start building your real estate portfolio.
  • Minimum Investment: $25,000
  • Fees: 0.50% - 2.5%
OPEN ACCOUNT
crowdstreet

EquityMultiple

equitymultiple review

EquityMultiple makes real estate investing simple for accredited investors . It is a blend of crowdfunding and a more traditional real estate investment approach which means higher returns for investors. The minimum amount required to open an account is $5,000, which is higher than Fundrise and Groundfloor, in comparison. However, you stand to make higher rates of returns (learn more here).

By opening an account you can get access to:

  • Commercial real estate investments
  • Easy-to-use website
  • Possible high rates of return
DescriptionGo
EquityMultiple

EquityMultiple is a real estate crowdfunding platform that gives investors access to professionally managed commercial real estate.
  • Minimum Investment: $5,000
  • Fees: 0.5% - 1.5%
LEARN MORE
aspiration

Related: EquityMultiple Review: Modern Real Estate Investing For Accredited Investors

Is Fundrise Legit?

As mentioned earlier, like every other service provider on the internet, Fundrise also has its own share of pros and cons. While some of the cons may be worrisome, most of its pros seem quite impressive and we would say Fundrise is a legit real estate investing option.

Even though it is a new company, it has already made its name in the market with unique features and services. So it is up to the investors to how they are going to utilize this platform to find potential real estate properties and multiply their capital through smart investment plans.

Learn More

at Fundrise

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About the author

Brian Meiggs
Brian Meiggs is a personal finance expert, and the founder of My Millennial Guide, a personal finance site helping you put more money in your pocket. He helps millennials follow the smart money in order to increase their earning potential and start building wealth for the the future. He regularly writes about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. He has been quoted as a top personal finance blogger in major publications including Yahoo! Finance, NASDAQ, Discover, MSN Money and more.

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Bottom Line:

The fees for the services at Fundrise are comparatively lower than other REITs. The annual fee set for an asset under their management is 1 percent of its net worth. Usually, the traditional approaches cost around 5-6 percent annually. For people, who do not want to spend a significant amount of their earning on paying fees, Fundrise is a perfect choice.

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