🧠 Scroll down to Take the Quiz: “Which Strategy Fits Your Timeline?”
⚡ Quick Comparison (2025 Update)
| Feature | Groundfloor | Fundrise |
|---|---|---|
| Investment Type | Short-term real estate loans | Long-term eREITs/developments |
| Avg. Hold Time | 6-12 months | 3-5 years |
| Minimum Investment | $10 | $10 |
| Liquidity | ✔️ Loans repay monthly | ❌ Quarterly redemptions |
| 2024 Returns | 9.1% (net) | 8.7% (net) |
| Best For | Quick cash flow | Compounding growth |
📌 Key Differences Explained
1. How Returns Are Generated
- Groundfloor: You earn interest (8-14% APR) as borrowers repay loans
→ Example: 10,000invested→10,000invested→900 annual income - Fundrise: You earn dividends + appreciation as properties grow in value
→ Example: 10,000invested→10,000invested→870/year + potential 3-5% appreciation
2. Risk Profile
| Risk Factor | Groundfloor | Fundrise |
|---|---|---|
| Market Cycles | Low (loans <12 months) | Medium (3-5 yr holds) |
| Defaults | 1.2% historic rate | 0% (diversified REITs) |
| Inflation Impact | High (fixed returns) | Low (rents adjust up) |
📈 2025 Performance Trends
Groundfloor Wins When:
- Interest rates are falling (refinancing boom)
- Construction costs stabilize (fewer loan defaults)
Fundrise Wins When:
- Rents rise faster than inflation
- Commercial-to-residential conversions increase
💡 Pro Tip: The “Ladder Strategy”
How to use both platforms together:
- Short-term (Groundfloor): Park cash earning 9% while saving for a property
- Long-term (Fundrise): Automatically reinvest earnings into growth eREITs
Example: 20K→20K→10K in Groundfloor (6-month loans) + $10K in Fundrise (5-yr hold)
🧠 Interactive Quiz: “Which Platform Fits Your Goals?”
1. When will you need this money?
Within 1 year
1-3 years
5+ years
2. What’s your priority?
Monthly income
Long-term appreciation
Both equally
3. How do you feel about risk?
“I hate volatility”
“I can handle ups/downs”
“Risk is opportunity”
Your Recommended Strategy
Groundfloor
Fundrise
70% Groundfloor / 30% Fundrise
Based on your answers, a 70% Groundfloor / 30% Fundrise split optimizes for short-term income with growth potential.