RealtyMogul vs Streitwise

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

---

Streitwise Overview

Streitwise is best suited for investors who want retail and non-accredited investors seeking passive diversified commercial real estate exposure with low capital requirements and strong dividend yields, who can tolerate illiquidity and have a 5+ year investment horizon. Founded in 2016 and headquartered in Beverly Hills, California, Streitwise has built a growing investor base.

With a minimum investment of $1K, Streitwise is open to all investors regardless of accreditation status. The platform does not currently offer a secondary market and requires manual investment selection.

Key Strengths:

• Low minimum investment ($1,000) makes commercial real estate accessible to retail investors
• Available to non-accredited investors and foreign nationals, unlike most private REITs
• Competitive and transparent fee structure with no hidden fees; 2% annual management fee significantly lower than industry average
• Strong historical dividend yields averaging 8.3% since 2017 with 20 straight quarters of 8%+ dividends

Key Drawbacks:

• Limited liquidity with 1-year lock-up period and early redemption penalties (10% discount if sold in year 2, tapering to zero at year 5)
• Limited property diversity with only one REIT fund containing just two commercial properties
• High concentration risk with revenues dependent on two major commercial tenants in two properties

---

Head-to-Head Comparison

Fees & Costs

RealtyMogul carries a fee rating of 3.0/5, with fees structured as: Income REIT: 1% annual; Apartment Growth REIT: 1.25% annual. Streitwise scores 4.5/5 on fees, charging: 2% annual; Performance: None.

Edge: Streitwise. More competitive fee structure overall.

Minimum Investment

RealtyMogul requires $5K to get started, while Streitwise requires $1K. Streitwise's lower minimum makes it more accessible for new investors.

Edge: Streitwise. Lower barrier to entry.

Accreditation Requirements

RealtyMogul partially requires accreditation. Streitwise does not require accreditation.

Edge: Streitwise. Open to all investors.

Liquidity

RealtyMogul offers illiquid investments. Streitwise provides semi-liquid investments.

Edge: Tie. Similar liquidity profiles.

Ease of Use

RealtyMogul scores 3.5/5 for ease of use. Streitwise scores 3.8/5 and also has a mobile app.

Edge: Streitwise. Better overall user experience.

Transparency

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

Edge: RealtyMogul. More transparent reporting and disclosures.

---

Who Should Choose RealtyMogul?

RealtyMogul is the better choice if you:

• Are comfortable with a $5K minimum investment
• Meet accredited investor requirements and want premium deal flow
• Want exposure to diversified real estate portfolios
• Prefer to hand-pick your investments

Who Should Choose Streitwise?

Streitwise is the better choice if you:

• Are comfortable with a $1K minimum investment
• Are a non-accredited investor looking for access to alternatives
• Want exposure to specific real estate deals or projects
• Prefer to hand-pick your investments

---

Verdict

Winner: Streitwise. With 3.8/5 overall rating versus RealtyMogul's 3.7/5, Streitwise 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 Streitwise — but consider your specific goals before committing.

---

FAQ

Is RealtyMogul or Streitwise better for beginners?

Streitwise is generally more beginner-friendly with its $1K minimum investment compared to RealtyMogul's $5K. Additionally, Streitwise doesn't require accreditation, making it accessible to more new investors.

Can I use both RealtyMogul and Streitwise?

Yes. Many alternative investment portfolios benefit from diversification across platforms. RealtyMogul and Streitwise overlap in some asset classes but may offer different deal structures, fee models, and investment approaches.

Which platform has better returns?

Historical returns vary by specific investment and time period. Streitwise 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 RealtyMogul and Streitwise safe?

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