Percent vs RealtyMogul

Percent Overview

Percent is best suited for investors who want accredited investors seeking higher yields through private credit exposure with relatively low minimums ($500), who can tolerate illiquid investments and understand default risks associated with lending to middle-market companies. The platform, Percent manages $350M in assets.

With a minimum investment of $500, Percent requires accredited investor status. The platform does not currently offer a secondary market and requires manual investment selection.

Key Strengths:

• Low minimum investment of $500 makes private credit accessible to retail accredited investors
• Competitive fee structure at 1% management fee plus 10% of yield, below industry standards
• Strong historical returns averaging 14.47% for matured deals with 14.9% in 2024
• Transparent fee disclosure and pricing model

Key Drawbacks:

• Requires accredited investor status, limiting accessibility to high-net-worth individuals
• Capital is illiquid and locked in for the duration of each deal
• 3.51% charge-off rate indicates default risk in portfolio

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RealtyMogul Overview

RealtyMogul is best suited for investors who want accredited and non-accredited investors seeking diversified commercial real estate exposure with low minimum investments and regular income distributions, balanced with illiquidity and moderate risk tolerance.. The platform, RealtyMogul has built a growing investor base.

With a minimum investment of $5K, RealtyMogul offers some investments open to non-accredited investors. The platform does not currently offer a secondary market and requires manual investment selection.

Key Strengths:

• Low minimum investment of $5,000 for REITs makes commercial real estate accessible to non-accredited investors
• Strong due diligence process; multiple reviewers noted RealtyMogul has 'best due diligence in the business'
• Non-accredited investor eligibility for REIT offerings with reasonable limitation (10% of income/net worth)
• Long track record with 234 realized investments as of October 2024 showing 18.1% realized IRR

Key Drawbacks:

• Completely illiquid investments with no secondary market for selling positions
• Mixed investor reviews with some reporting only 1 of 3 deals performing as projected
• Some investors reported deals had no returns or lost money completely

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Head-to-Head Comparison

Fees & Costs

Percent carries a fee rating of 4.0/5, with fees structured as: 1% on Blended Notes; 0% on single note offerings; Performance: 10% of yield (variable by product). RealtyMogul scores 3.0/5 on fees, charging: Income REIT: 1% annual; Apartment Growth REIT: 1.25% annual.

Edge: Percent. Lower cost structure gives investors more of their returns.

Minimum Investment

Percent requires $500 to get started, while RealtyMogul requires $5K. Percent's lower minimum makes it more accessible for new investors.

Edge: Percent. Lower barrier to entry.

Accreditation Requirements

Percent requires accreditation. RealtyMogul partially requires accreditation.

Edge: Tie. Similar accreditation requirements.

Liquidity

Percent offers illiquid investments. RealtyMogul provides illiquid investments.

Edge: Tie. Similar liquidity profiles.

Ease of Use

Percent scores 3.5/5 for ease of use and offers a mobile app. RealtyMogul scores 3.5/5.

Edge: Tie. Both platforms offer solid user experiences.

Transparency

Percent earns a 3.5/5 transparency rating. RealtyMogul scores 4.0/5.

Edge: RealtyMogul. More transparent reporting and disclosures.

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Who Should Choose Percent?

Percent is the better choice if you:

• Want to start investing with a low minimum
• Meet accredited investor requirements and want premium deal flow
• Are interested in private credit as an asset class
• Prefer to hand-pick your investments

Who Should Choose RealtyMogul?

RealtyMogul is the better choice if you:

• Are comfortable with a $5K minimum investment
• Meet accredited investor requirements and want institutional-quality deals
• Want exposure to specific real estate deals or projects
• Prefer to hand-pick your investments

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Verdict

Winner: Percent. With 3.8/5 overall rating versus RealtyMogul's 3.7/5, Percent edges ahead with a lower minimum investment and better fees. That said, RealtyMogul may be the better fit if you specifically need accredited and non-accredited investors seeking diversified commercial real esta.

For most investors exploring alternatives, we recommend starting with Percent — but consider your specific goals before committing.

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FAQ

Is Percent or RealtyMogul better for beginners?

Percent is generally more beginner-friendly with its $500 minimum investment compared to RealtyMogul's $5K.

Can I use both Percent and RealtyMogul?

Yes. Many alternative investment portfolios benefit from diversification across platforms. Percent and RealtyMogul focus on different asset classes, making them complementary choices for a diversified portfolio.

Which platform has better returns?

Historical returns vary by specific investment and time period. Percent has a higher overall rating, but past performance doesn't guarantee future results. Both platforms provide different risk-return profiles depending on the specific offerings you choose.

Are Percent and RealtyMogul safe?

Both platforms are legitimate, regulated investment services. Percent is regulated by SEC. RealtyMogul is regulated by SEC. As with all alternative investments, there is inherent risk — these are generally illiquid, long-term investments and not FDIC insured.