Market guide

Fractional Real Estate in the United States

Fractional real estate in the United States means buying SEC-regulated shares or tokens of a single rental home, usually from $100, and collecting your share of the rent. It is the most regulated fractional market in the world, built on the Regulation A+ and Regulation D exemptions, and the home of Arrived, Mogul, Sols Lot, Fundrise and Cityfunds. Yields are lower than in emerging markets, typically around 4% to 6% net on single-family rentals, in exchange for the strongest disclosure and the deepest secondary markets. This page shows the live figures, the platforms, the structures and what to check.

Manhattan skyline at dusk with the Empire State Building lit
“The US invented the regulated fractional share. It is still the most protected way to own one.”By ·

Why the US Market Is Different

The US fractional market grew out of securities law rather than property law. The 2012 JOBS Act created exemptions that let a platform sell shares of a property-holding LLC to the public, with an offering circular the SEC has qualified and audited financials. That is why US listings are the most documented anywhere: every Arrived home has a filed offering that states the purchase price, the fees, the projected rent and the risks. The market itself is single-family rental homes in the Sun Belt and the Midwest, where prices are moderate and rents are reliable, plus a growing set of short-term rentals and specialist structures. Yields are lower than in Dubai or Spain because US house prices are high relative to rent, and because most platforms hold the homes without a mortgage.

The Platforms

Arrived sells Regulation A+ shares of individual single-family rental homes from $100, holds each home in its own LLC, pays monthly dividends, and opened a secondary trading platform in November 2025. Mogul curates short-, mid- and long-term rentals with tokenized shares on Avalanche from $250 and monthly income. Sols Lot sells appreciation rights on US homes, a contractual share of the future sale price with no rent, from $250. Reental lists US properties through shares of a holding company, from €100, paid in USDT. Fundrise sells diversified US real estate funds from $10, and Cityfunds sells shares in city-level home equity pools from $500. Lofty and RealT, both tokenized US rental platforms from $50, are next to be integrated.

Regulation A+, Regulation D and Tokens

Most US retail offerings use Regulation A+: the SEC qualifies the offering, anyone can invest, and non-accredited investors are capped at 10% of their income or net worth per offering. Regulation D offerings are private, usually limited to accredited investors, and carry higher minimums. Regulation Crowdfunding sits in between, with a $5 million annual cap per issuer. Tokenized US platforms wrap the same LLC shares in a blockchain token. The token is still a security, the same rules apply, and the benefit is a secondary market that trades around the clock and income paid in stablecoins. In every case you own shares of an LLC that owns the home. You are not on the deed, but the deed is inside something you part-own, and the LLC's operating agreement sets out what the manager can decide and what needs a vote.

Investing From Abroad, and Tax

Most US platforms, including Arrived, require a US tax identification number and a US bank account, which in practice limits them to US residents. Reental's US properties are the main route for international investors, and the tokenized platforms accept some non-US investors depending on their country. US distributions arrive as dividends on a Form 1099-DIV from corporate-style LLCs, or on a Schedule K-1 from partnership-style ones, which can pass through depreciation. Gains at sale are capital gains. Non-US investors face withholding tax on US-source income, typically 30% reduced by treaty, and should expect the paperwork to be the heaviest of any market.

What to Check on a US Listing

The offering circular, which is where the real fee schedule, the reserve and the projected rent live. The state and metro: property tax rates, insurance costs and landlord law differ enormously between Texas, Florida and Ohio. Whether the home is tenanted or newly built and waiting for its first lease. And the platform's exit terms: Arrived's secondary market has lock-ups and windows, Mogul's and Reental's follow their own rules. The listings below are the highest-rated US properties on Threeworld right now.

Top-rated fractional properties in the United States

All listings

Questions people ask

Can non-US residents invest in US fractional real estate?

On most US platforms, no: Arrived and others require a US tax ID. Reental's US properties and some tokenized platforms accept international investors. Threeworld shows each listing's access rules.

What is the minimum to invest in US fractional real estate?

$100 on Arrived, $250 on Mogul and Sols Lot, €100 on Reental's US projects, and $10 for Fundrise's funds. Lofty and RealT start at $50.

What yields do US fractional rentals pay?

Single-family rentals on Arrived project around 4% net, with total returns higher once appreciation is included. Mogul projects higher figures on short-term rentals. The live US median is at the top of this page.

Is US fractional real estate regulated by the SEC?

Yes. Retail offerings are qualified under Regulation A+ or run under Regulation D or Regulation Crowdfunding, with filed offering documents. The regulation covers disclosure and structure, not the return.

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