Real estate Investment Comparison

Fundrise vs. Here

Wondering whether Fundrise or Here is a better investment? We put them both to the test to help you compare and decide where to invest your money.

vs.

Comparison Table
Fundrise
Here
Minimum Investment
$10
$100
Investment Holding Period
5 years
5 years
Early Withdrawal Penalties
1% of total investment
Not Possible
Rent Payouts
Quarterly
Quarterly
Avg. Yearly Returns
10.70%
Unknown
Accessibility
Star Rating - 0.5
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Star Rating - 0.5
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Earning Potential
Star Rating - 0.5
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Star Rating - 0.5
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Investment Liquidity
Star Rating - 0.5
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Star Rating - 0.5
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Fundrise
Investment Quality Score
3.0
Star Rating - 0.5
Star Rating - 1Star Rating - 1.5Star Rating - 2Star Rating - 2.5Star Rating - 3Star Rating - 3.5Star Rating - 4Star Rating - 4.5Star Rating - 5
Here
Investment Quality Score
1.5
Star Rating - 0.5
Star Rating - 1Star Rating - 1.5Star Rating - 2Star Rating - 2.5Star Rating - 3Star Rating - 3.5Star Rating - 4Star Rating - 4.5Star Rating - 5
Fundrise

The Bottom Line

Fundrise is a good hands-off investment option for novice real estate investors, but investors pay for it with very low liquidity, paltry rent dividends, and appreciation gains disconnected from the true value of the properties they help fund.

Fundrise Pros:

Easy to Use ✨

Makes it easy to invest in real estate with a well designed platform and low entry costs

Low Fees 🏠

Their stated fee structure is low, starting at just 1% per year

Strong Track Record πŸ“œ

They've been around since 2010 and has acquired billions worth of real estate

‍

Fundrise Cons:‍‍

Long Lockup Period πŸ”

Expected investment time window is at least 5 years

Investment Tip: Have an exit plan before you make an investment

Troubling Accounting πŸ’Έ

They make a big deal about their low 1% fees. But they've disconnected the value of their REITΒ shares from the true value of the properties in their portfolio, giving them opportunities to capture returns before they appear in their investor's accounts

Investment Tip: Beware of investments that disconnect true value from investment value.

Average investment returnsπŸ“‰

Typical returns of 10.70% per year is average compared with returns from other real estate investment options (typically 5-15% in rent yield per year) and the stock market (average 10% per year)

Investment Tip: Compare the return of an investment with alternative options

Slow rent payout 🐌

Only pays rent to investors a few times a year - much less often than other real estate investment options. This hurts cash flow and makes it harder to reinvest and access compounding returns

Investment Tip: Compare cash flow of an investment with alternative options

Here

The Bottom Line

Here doesn't publish past investment performance or projections, and doesn't allow users to sell investments. Their beautiful marketing makes it easy to miss that it's quite a risky investment opportunity.

Here Pros:

Easy to Use ✨

Makes it easy to invest in real estate with a well designed platform and low entry costs

Great property options 🏠

Gives investors access to Class A properties.

Beautiful Branding πŸ“œ

Marketing materials and product design are top notch

Low Minimum Investment πŸ”‘

Investors can invest as much as they like as long as it's over $100

‍

Here Cons:‍‍

Long Lockup Period ✨

Expected investment period is 5 to 7 years, with no opportunity to sell

Investment Tip: Have an exit plan before you make an investment

‍‍Lack of financial transparency πŸ’Έ

Properties lack documentation for due diligence, and properties are sold to investors for more than Here buys them for

Investment Tip: Beware of investments with undisclosed fees and exit options

Unknown returns πŸ“‰

Very short track record with complete lack of past investment performance and investment projections

Investment Tip: Compare the return of an investment with alternative options

Slow rent payout 🐌

Only pays rent to investors a few times a year – much less often than other real estate investment options

Investment Tip: Compare cash flow of an investment with alternative options

Read our comprehensive
Fundrise
Review
Read Full Review
Read our comprehensive
Here
Review
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