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Are you an accredited investor trying so as to add larger diversification to your portfolio and probably get greater returns? If that’s the case, we’ve compiled an inventory of the ten greatest funding alternatives for accredited buyers. Some can be found to non-accredited buyers, so learn on even in case you’re not but accredited.
The desk beneath supplies a abstract of ten different investments, adopted by extra detailed descriptions of every:
Platform | Investor Requirement | Minimal Funding | Asset Class |
Debt vs. Fairness |
Charges |
---|---|---|---|---|---|
AcreTrader | Accredited solely | $20,000 – $30,000 | Farmland | Fairness | 2% upfront; 0.75% yearly; 5% upon sale |
Yieldstreet | Primarily accredited | $1,000 – $5,000 | Varied arduous property | Fairness | 1% – 2% yearly |
Fundrise | Principally non-accredited | $10 – $100,000 | eREITs and eFunds invested in actual property | Fairness | 1% yearly |
Cadre | Accredited solely | $50,000 | Business actual property | Fairness | 1% to three.5% upfront; 1.75% or 2% yearly |
CrowdStreet | Accredited solely | $25,000 | Business actual property | Fairness | 0.5% to 1.0% yearly |
Arrived Houses | Non-accredited and accredited buyers | $100 | Single-family properties | Fairness | As much as 4.5% upfront, then 1% yearly |
RealtyMogul | Non-accredited and accredited buyers | $5,000 to $25,000 | Business actual property | Fairness and debt | 6% upfront; 5% yearly |
EquityMultiple | Accredited buyers solely | $5,000 and up | Business actual property | Fairness and debt | 0.5% to 1.5% yearly |
HoneyBricks | Accredited buyers solely | $100 | “Tokenized” multifamily actual property | Fairness | 0.05% – 0.20% transaction payment; annual administration payment (not disclosed) |
Roofstock | Non-accredited and accredited buyers | 20% down cost on properties bought | Single-family rental properties | Fairness | 0.50% upfront; 2.5% on disposition |
Desk of Contents
- Greatest Funding Alternatives for Accredited Buyers
- 1. AcreTrader
- 2. Yieldstreet
- 3. Fundrise
- 4. Cadre
- 5. CrowdStreet
- 6. Arrived Houses
- 7. RealtyMogul
- 8. EquityMultiple
- 9. HoneyBricks
- 10. Roofstock
- What Is an Accredited Investor?
- What Forms of Accredited Investments are Obtainable?
- What Are the Advantages of Accredited Investments?
- What Are the Dangers of Accredited Investments?
- How A lot Ought to I Put money into Accredited Investments?
- Backside Line
Greatest Funding Alternatives for Accredited Buyers
1. AcreTrader

AcreTrader is exclusive within the accredited investor house as a result of your entire focus of the platform is on farmland. As an investor, you’ll be collaborating within the buy and possession of working farmland. However you’ll be doing it via shares bought within the farms.
Because it seems, farmland has confirmed to be an amazing long-term funding. That is partly as a result of productive farmland is proscribed, however the world inhabitants is rising. And with the present surge in inflation, meals costs proceed to rise. Whereas it’s unlucky for shoppers, farmland buyers stand to realize.
What’s extra, farmland represents possession in a “arduous asset.” That may be a giant benefit in a portfolio comprised totally of economic property. Your funding will present each dividends paid out of the web rental earnings of the farm property, in addition to capital positive aspects upon disposition of the farm.
To speculate with AcreTrader, you have to be an accredited investor; there’s at present no capability to accommodate different buyers.
Buyers should meet the big minimal funding requirement – $20,000 to $30,000 – and be ready for the lengthy haul. Count on to stay invested for 5 to twenty years in any explicit property.
AcreTrader actively works to reduce danger by specializing in specialty farming – farms that produce high-value crops and usually don’t have any or low debt. For extra info, learn our full AcreTrader overview.
2. Yieldstreet

Yieldstreet is a diversified funding platform that lets you spend money on specialty asset lessons, like actual property, effective artwork, and airplanes. Most of those alternatives can be found solely to accredited buyers, although they provide their Yieldstreet Prism Fund to non-accredited buyers. That fund invests in a mixture of arduous property and pays quarterly dividends.
As accredited investments go, the minimal funding required is pretty low, at $1,000 or $5,000. $1,000 is the requirement for the Prism Fund and short-term notes. Particular person choices require $5,000.
Particular person choices allow you to pick the particular property you’ll spend money on. For instance, you possibly can spend money on numerous actual property offers, like single-family properties or multiunit condo buildings. You can even spend money on blue-chip artwork, industrial plane leasing, new industrial ships, industrial financing, and even authorized choices.
In the meantime, short-term notes present a comparatively low-risk, low-reward place to park your cash. There isn’t a administration payment, and the common holding interval is three months.
Yieldstreet may also accommodate IRA accounts utilizing a self-directed IRA (SDIRA), and their administration payment of 1% to 2% per 12 months may be very aggressive. In truth, short-term notes don’t have any administration payment in any respect.
The corporate is at present providing a bonus of as much as $500 to buyers to speculate via the Wallethacks hyperlink. Try our Yieldstreet overview for extra info.
3. Fundrise

You don’t must be an accredited investor to speculate with Fundrise. Nevertheless, their Premium plan, which gives entry to a wider variety of “eREITs,” does require accredited investor standing.
That mentioned, Fundrise could be a superb supply of actual property investing for buyers in any respect ranges. It requires simply $10 to start investing with the Starter plan or simply $500 with the Primary plan. However for extra superior buyers, the Premium plan requires a minimal upfront funding of $100,000.
Fundrise makes use of two major funding autos, eREITs, and eFunds. eREITs are non-publicly traded actual property funding trusts. Although they spend money on actual property, like different REITs, they’re solely accessible on the Fundrise platform.
eFunds are related, however they’re invested in single-family properties, townhomes, and condominiums. The fund will buy a property, renovate it, then promote it for revenue.
Utilizing a mixture of eREITs and eFunds, one of many 4 plans provided by Fundrise can present supplemental earnings, long-term development, or balanced investing that mixes the 2.
Fundrise gives one other profit. Whereas most different funding platforms require you to keep up your funding place till it pays out, Fundrise gives restricted early redemption of your funding each quarter. For extra particulars, take a look at our full Fundrise overview.
4. Cadre

Cadre focuses totally on industrial actual property. That features multifamily condo complexes, in addition to industrial, workplace, retail, and lodge house. It’s an asset class with greater reward and danger, which is why buyers have to be accredited.
Cadre makes use of a elementary, value-driven method when deciding on funding properties. They aim income-producing properties in main markets with sturdy fundamentals, like low emptiness and excessive leases. The goal markets embrace development areas like Dallas, Atlanta, Seattle, Denver, and Washington, DC.
As soon as a property is acquired, Cadre improves its worth via the revolutionary administration and capital enhancements. The corporate claims a realized internet return on funding of over 18%.
Although industrial actual property investments are infamous for being illiquid, Cadre gives a secondary market the place you possibly can eliminate your investments early. Although the returns anticipated require holding an funding till it’s accomplished, it’s attainable to partially or totally liquidate your place early.
Cadre gives an interest-bearing money account, in addition to their Direct Entry Fund, which lets you maintain between 15 and 20 industrial properties throughout the nation. Buyers are paid quarterly earnings distributions. You can even make investments straight in particular person properties accessible on the platform. Learn our full Cadre overview for extra.
5. CrowdStreet

CrowdStreet’s power lies in its low charges. They cost an annual administration payment between 0.5% and 1% of your portfolio worth. The charges are stored low as a result of different prices are paid by actual property builders fairly than being handed on to buyers.
However CrowdStreet buyers must have a big quantity of funding information. That’s as a result of the platform connects buyers and undertaking sponsors straight. They don’t act as a intermediary, enabling buyers to speculate via funds or restricted partnerships.
You’ll be able to choose properties to spend money on via the CrowdStreet Market. All the knowledge you want can be offered with every property provided.
For many who would fairly have a most well-liked funding administration possibility, they provide their Blended Portfolio. It’s a fund that features a number of property holdings from {the marketplace} particularly chosen for the fund.
One other CrowdStreet power is its vetting course of. Solely 5% of the offers they examine are provided on {the marketplace} to their buyers. Every property is put via a rigorous evaluation, which features a thorough investigation of each the viability of the property and the historical past of the undertaking sponsors. Study extra in our CrowdStreet overview.
6. Arrived Houses

Arrived Houses is open to non-accredited buyers, although accredited buyers may also take part. The distinctive benefit of this platform is you can spend money on single-family properties. And you are able to do so with as little as $100, making it attainable to diversify a small amount of cash throughout a number of properties. (Although some properties could require a minimal funding of as a lot as $20,000.)
Arrived Houses allows buyers to decide on which properties they need to spend money on from their on-line market. Like different actual property crowdfunding platforms, they have a tendency to focus their exercise in areas with stronger housing markets, notably the southeastern US.
Choose the property, make investments your cash, and let Arrived Houses handle issues from there. Like most actual property crowdfunding platforms, you’ll spend money on particular person properties via shares in a restricted legal responsibility firm (LLC).
The corporate targets properties more likely to produce a constructive money movement from rents. The online earnings is distributed to buyers each quarter. The capital positive aspects on the funding can be distributed to buyers when the property is offered, permitting buyers to earn each common earnings and capital appreciation.
Arrived Houses is obtainable for each taxable funding accounts and self-directed IRAs. Learn our full Arrived Houses overview for extra particulars.
Study extra about Arrived Houses
7. RealtyMogul

RealtyMogul is a actual property crowdfunding platform open to non-accredited and accredited buyers. Like different platforms on this record, they assist you to spend money on industrial actual property.
They provide actual property fairness and debt investments, providing you with entry to each earnings and capital appreciation alternatives. For instance, they provide an earnings REIT with a mixture of actual property debt and fairness, concentrating on an 8% annual distribution to buyers.
There are a few caveats to pay attention to with RealtyMogul. First, they’ve a better minimal funding requirement than most actual property crowdfunding platforms designed for non-accredited buyers. That features a minimal of $5,000 for an earnings fund and $25,000 to spend money on direct offers.
Second is the payment construction. RealtyMogul’s payment construction is considerably difficult as a result of it contains a number of charges at every stage. Upfront, a one-time payment of two% is paid to the true property firm and 4% to the broker-dealer. That’s adopted by a 5% annual payment, of which 4% of the property’s gross earnings goes to the property administration firm and 1% to RealtyMogul.
Neither of those drawbacks means RealtyMogul is a nasty funding. However you must know precisely what you’re entering into earlier than investing cash. Learn our full RealtyMogul overview.
8. EquityMultiple

EquityMultiple is likely one of the hottest actual property crowdfunding platforms accessible. Although it’s unique to accredited buyers, it has a decrease preliminary funding requirement (beginning at $5,000) and decrease charges (0.5% to 1.5%) than most competing platforms that cater to accredited buyers.
EquityMultiple investments closely favor debt, together with senior and mezzanine debt. However in addition they supply most well-liked widespread fairness, in addition to some distinctive funding alternatives, like investments in 1031 exchanges and alternative zones. The mix of funding choices can produce a better mixed return between common funding earnings and capital appreciation.
For buyers preferring a lower-risk funding car, EquityMultiple gives an evergreen fund that invests strictly in short-term notes. The fund supplies decrease returns than different investments on the platform however with a lot much less danger on account of shorter durations.
They do supply a extra versatile funding time horizon. For instance, short-term notes mature inside 3 to 9 months, whereas senior debt can run between 9 and 24 months. However investments in widespread fairness can require as much as seven years, whereas alternative zone investments require ten years or extra.
The investments are illiquid since there is no such thing as a secondary marketplace for early liquidation. Nevertheless, it could be attainable to exit a place early by promoting your shares to a different investor via a personal transaction.
You’ll be able to open a taxable funding account or an IRA via an EquityMultiple IRA associate, although that may require a minimal funding of $10,000.
Study extra about EquityMultiple
9. HoneyBricks

HoneyBricks is a newcomer in the true property crowdfunding house and is at present open solely to accredited buyers. They take a novel method to actual property funding, providing buyers tokens as shares of possession within the firm’s non-publicly traded REIT.
In concept, tokenization ought to make shopping for and promoting REIT shares faster and simpler. The corporate advertises the power to liquidate tokens immediately, although that’s not attainable for the primary 12 months of possession. HoneyBricks does supply a secondary market within the tokens, which could be offered to different buyers on the platform.
You’ll be able to create an account in as little as two minutes, then buy tokens on the HoneyBricks market. Tokens could be bought utilizing fiat forex, cryptocurrency, or staking your present crypto. You’ll be able to make investments via a crypto pockets. The tokens provides you with possession within the REIT, which is absolutely managed by their funding workforce. Buyers can count on dividend distributions and capital positive aspects as properties are offered.
HoneyBricks spend money on multifamily properties positioned in high-growth areas, just like the southeast. Solely about 1% of properties analyzed are chosen for funding functions. They provide 4 totally different funding methods, starting from rental earnings with restricted development to capital development with restricted earnings. As internet rental earnings is earned, it’s transferred into your crypto pockets utilizing USDC. Returns are projected within the 7% to twenty% vary. Study extra about tokenized investing in our HoneyBricks overview.
10. Roofstock

Roofstock is an actual property crowdfunding platform targeted on investing in single-family properties. The platform is obtainable to each accredited and non-accredited buyers.
You’ll select single-family properties from the Roofstock market. Most properties provided are leased to present tenants. Every property could have an outline that features the sale worth, market hire, valuation, capitalization fee, anticipated return, tackle, and property description.
Because you’ll be invested in particular person properties, you’ll must make a down cost of 20% of the acquisition worth. Although accredited investor standing will not be required, this platform does require extra upfront capital than most others.
However Roofstock is mild on charges, charging solely 0.50% upfront and a couple of.5% on the disposition of the property. In the meantime, it gives essentially the most direct approach to take possession of investment-quality single-family rental properties. Learn our full Roofstock overview for extra info.
What Is an Accredited Investor?
An accredited investor is a acknowledged monetary profile. Based on the US Securities and Alternate Fee (SEC), accredited investor standing requires the next:
- Internet value over $1 million, excluding your major residence (individually or with partner or associate.)
- Earnings over $200,000 (individually) or $300,000 (with partner or associate) in every of the prior two years and an expectation of the identical for the present 12 months.
- Holders of sure licenses to promote securities, officers or companions in organizations promoting securities, and different certified people.
When signing up for an funding platform requiring accredited investor standing, you’ll usually be requested to self-certify by testifying to your {qualifications} primarily based on the above standards. Nevertheless, a rising variety of funding platforms are requiring buyers to submit documentation proving accredited investor standing.
What Forms of Accredited Investments are Obtainable?
Accredited investments are usually these not accessible via basic funding platforms. These platforms generally supply shares, bonds, choices, funds, and plenty of different extensively accessible funding securities.
Accredited investor standing is required when investments are out of the atypical and contain larger danger. That may embrace massive upfront investments, an extended funding time horizon, and the chance the funding will fail.
Widespread accredited investments embrace most well-liked fairness investments, syndicated debt securities, private REITs, startup capital, and different non-typical investments.
What Are the Advantages of Accredited Investments?
There are two major advantages to accredited investments:
- Diversification. Buyers can add asset lessons to their portfolios to diversify past common monetary property, like shares and bonds.
- Excessive returns. Accredited investments maintain the promise – however by no means the assure – of offering excessive double-digit returns.
Buyers might also select accredited investments as a result of they provide a possibility to take part in distinctive ventures. An instance is offering capital for startup firms or so-called angel investing.
What Are the Dangers of Accredited Investments?
Together with the promise of diversification and excessive returns, accredited investments include substantial dangers.
The obvious is that you can lose some or all of your funding. And since many accredited investments are distinctive offers, there could also be little or no liquidity if you wish to exit your place early.
However maybe the most important danger is that different investments are usually distinctive. You’ll take part in particular person offers that aren’t accessible on acknowledged exchanges. Many aren’t regulated by regulatory authorities, so it’s vital to do your due diligence earlier than investing in any funding of this kind.
How A lot Ought to I Put money into Accredited Investments?
Due to the dangers related to accredited investments, they need to occupy solely a small nook of an in any other case well-balanced portfolio. For many buyers, that may imply limiting a place in accredited investments to a single-digit proportion of your whole portfolio.
Backside Line
Accredited investments are high-reward/high-risk ventures, which is why accredited investor standing is required within the first place.
However so long as you’re conscious of the dangers and ready to soak up potential losses, the advantages of diversification and above-average returns could make these investments nicely value at the very least a small place in your portfolio.
Simply remember to restrict your funding actions solely to ventures you perceive. Simply since you qualify as an accredited investor doesn’t imply any explicit funding is best for you.
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