Fundrise vs. PeerStreet: Which is a Better Platform?

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I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

This guide to Fundrise vs. PeerStreet will help you to choose the most suitable real estate investing platform for your needs.

Any investor
Accredited investors
All 50 states
All 50 states
$10
$1,000
0.15% annual advisor fee, 0.85% annual asset management fee
0.25% to 1%
Managed portfolio of individual properties
Short-term real estate loans
  • Variety of plans with minimum investments ranging from $10 to $100,000
  • Mobile app that has an in-app newsfeed so you can stay up-to-date
  • IRAs
  • Technology driven real estate investing platform
  • Earn 4.00%* interest on your cash with PeerStreet Pocket
Some portfolios generate dividends quarterly
Tuesday following the day payments were made from borrowers
Beginners looking for a managed real estate option
Accredited investors looking for high-yield short-term income
Any investor
All 50 states
$10
0.15% annual advisor fee, 0.85% annual asset management fee
Managed portfolio of individual properties
  • Variety of plans with minimum investments ranging from $10 to $100,000
  • Mobile app that has an in-app newsfeed so you can stay up-to-date
  • IRAs
Some portfolios generate dividends quarterly
Beginners looking for a managed real estate option
Accredited investors
All 50 states
$1,000
0.25% to 1%
Short-term real estate loans
  • Technology driven real estate investing platform
  • Earn 4.00%* interest on your cash with PeerStreet Pocket
Tuesday following the day payments were made from borrowers
Accredited investors looking for high-yield short-term income

About Fundrise

Fundrise is a real estate investment platform that allows you to purchase private REIT shares, track your investment’s performance, and reinvest dividends according to your preference.

To that end, Fundrise identifies, buys, and manages platform users’ properties, maximizing long-term investment returns.

The company automatically allocates your balance across different funds based on your personalized goals. The platform is accessible, easy to use, and boasts low credit and investment requirements.

Additionally, the company prioritizes accessibility and transparency, ensuring that information is readily available on its website.

Fundrise intends to provide quality investment opportunities to the average U.S. citizen, and the platform’s user-friendly interface and wealth of information cater to both new and experienced investors.

Pros
  • Invest with just $10
  • Hands-off real estate investing
  • Open to all investors
  • Easy-to-use platform
Cons
  • Taxed on dividend income
  • Illiquid investments
  • Charges an annual fee
Fundrise

Welcome to the future of real estate investing. Build a portfolio of private assets like real estate, private credit, and venture capital.

We earn a commission for this endorsement of Fundrise.

About PeerStreet

PeerStreet, like a real estate investment trust, is a real estate investment platform that connects borrowers with individuals and a nationwide network of private lenders for investing in real estate-backed loans.

These loans are private money loans, or hard money loans, and are made by private individuals or companies rather than banks.

In addition, PeerStreet doesn’t go through a brokerage, so there is no middleman to deal with when investing. Founded in 2013, PeerStreet has funded over $4 billion in loans and helped thousands of investors earn great returns on their investments.

PeerStreet offers a unique opportunity for borrowers to access capital for their real estate projects and for investors to earn great returns without having to go through the hassle of traditional real estate investing.

For borrowers, PeerStreet offers competitive interest rates, flexible terms and a streamlined application process. For investors, PeerStreet offers average returns of 6-12 percent and the ability to customize your investment portfolio to match your risk tolerance.

You can also keep track of your progress and assets through PeerStreet’s advanced technology integration with Fundrise.

Pros
  • Low investment minimum
  • Invest with retirement funds
  • Automatic investing option
  • Short lending terms
Cons
  • Only available to accredited investors
  • Highly illiquid investments
  • Not designed for new investors
PeerStreet

Introducing the first real estate investment platform that gives you access to high-yield, short-term loans. Get started with PeerStreet by setting up a free account.

We earn a commission when you sign up for an account and deposit funds.

Which Platform Should You Choose?

Ultimately, both Fundrise and Streitwise deliver unique features and services for different prospective investors.

If you’re just starting out, Fundrise may be the best option. If you are an accredited investor looking to invest in short-term high yielding real estate debt, then PeerStreet is the better option for you.

If you’re still undecided, check out the criteria below for each platform. You can also read customer reviews on both companies’ websites or user testimonials on third-party websites.

Choose Fundrise if:

Fundrise is best for non-accredited investors and beginners. Choose Fundrise if:

  • You have a small budget since the platform requires an initial investment of only $10.
  • You want a fully automated, managed service, as Fundrise selects assets for you.
  • You are new to property investing or require a more hands-off service.

Choose PeerStreet if:

PeerStreet is most appropriate for high net-worth real estate investors looking for more diversification. Opt for PeerStreet if:

  • Experienced real estate investors looking to diversify their portfolios with alternative investments.
  • Accredited investors looking to invest in short-term real estate debt.
  • Earn interest on your cash while investing in real estate.

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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