EquityMultiple review: Commercial real estate investing for accredited investors with at least $5,000

EquityMultiple best serves real estate-oriented accredited investors with at least $5,000.

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Bottom line: EquityMultiple is best for accredited investors who have at least $5,000 to invest in commercial real estate assets like equity (via non-traded REITs and real estate funds), debt, and much more. Though minimums start as low as $5,000, they can reach $30,000 depending on the opportunity.

Overall rating

FeatureInsider rating (out of 5)Fees4.00Investment selection5.00Access4.25Ethics5.00Customer service4.75Overall score4.60

Is EquityMultiple right for you?

Founded in 2015, EquityMultiple is a commercial real estate platform that offers managed assets — including equity, preferred equity, institutional commercial real estate, and senior debt — to accredited investors (individuals who have a minimum net worth of $1 million or make $200,000 annually, or $300,000 for couples).

The platform also gives investors the option to build wealth through self-directed IRAs, LLCs, trusts, LPs, and joint accounts. As of January 1, 2022, EquityMultiple has returned $176.2 million to investors.  

EquityMultiple vs. RealtyMogul

Min. Investment

$5,000 (minimums can also range between $10,000 and $30,000)

Min. Investment



Varies; typically 0.5% (EquityMultiple also charges annual administrative expense fee of $30-$70)


1% to 1.25%

Investment choices

Institutional commercial real estate, equity, preferred equity, and senior debt

Investment choices

REITs, single properties, 1031 private placement investments


While EquityMultiple and RealtyMogul have the same account minimum requirements ($5,000), there are a couple of key differences between the platforms. The first is that EquityMultiple only serves accredited investors, while RealtyMogul serves both accredited and non-accredited investors. 

Another thing to consider is investment types and fees. Both EquityMultiple and RealtyMogul offer commercial real estate, but EquityMultiple is the better choice for accredited investors in search of professionally managed, institutional-level real estate and equity and debt investments. RealtyMogul offers multiple REITs, individual properties, and more.

EquityMultiple vs. CrowdStreet

Min. Investment

$5,000 (minimums can also range between $10,000 and $30,000)

Min. Investment

$25,000 (up to $100,000 for some offerings)


Varies; typically 0.5% (EquityMultiple also charges annual administrative expense fee of $30-$70)


0% investors; 1-5% fee for sponsors; 0.25% to 2.5% tailored portfolios

Investment choices

Institutional commercial real estate, equity, preferred equity, and senior debt

Investment choices

Single-sponsor funds, CrowdStreet funds, individual deals, tailored portfolios


EquityMultiple and CrowdStreet both only offer real estate investing for accredited investors. But the platforms vary when it comes to account minimums, fees, and investment choices.

You’ll likely pay more to get started with CrowdStreet since its base minimum requirement (which can be $100,000 for some products) is $25,000. However, CrowdStreet doesn’t charge investors fees to buy stake in its deals and funds — but sponsors typically pay between 1-5%, and tailored portfolios cost investors 2.5%.

EquityMultiple, on the other hand, best suits accredited investors who want to get started with lower minimum requirements and invest in institutional commercial real estate, equity, and more. It has a base minimum requirement of $5,000, but minimums can also range from $10,000 to $30,000, depending on the offering.

Ways to invest with EquityMultiple

EquityMultiple offerings are divided into three strategies:

Fund Investing: This investment approach has the highest minimum requirement. Minimums start as low as $20,000 and span up to $30,000. It best suits those in search of diversification across several asset types. EquityMultiple targets debt, equity, Opportunity Funds, and CRE securities with this approach. Plus, it has an investment term of 1.5 to 10+ years.Direct Investing: With minimums as low as $10,000, this approach caters to investors who prefer to focus on individual properties. EquityMultiple’s target duration for this strategy ranges from six months to five (or more) years, and it leans toward debt, preferred equity, and common equity.Savings Alternative: This strategy is perfect for investors who want shorter terms. EquityMultiple primarily uses diversified, short-term notes here, and the investment term ranges from three to nine months. This approach also has the lowest minimum requirement, as you can get started with as little as $5,000.

As for returns, debt strategies generate 7-12% per year. Preferred equity strategies have a current preferred return of 6-12% and a total preferred return rate of 10-18%. Common equity strategies have an internal rate of return of 10-24%, and returns vary for its funds.

Prospective investors should also note that joining EquityMultiple doesn’t give you access to publicly traded REITs. When it comes to its fund strategies and diversification approach, it mainly invests in non-traded REITs and real estate funds (non-traded REITs can’t be publicly traded on the market).

EquityMultiple: Is it trustworthy?

EquityMultiple currently has an NR (“No rating”) with the Better Business Bureau. BBB ratings usually range from A+ to F, but the bureau says it doesn’t have sufficient information to issue a rating on the real estate platform.

BBB ratings reflect the bureau’s opinion of how well a company interacts with its customers, and takes into account factors like type of business, time in business, customer complaint history, licensing and government actions, advertising issues, and more.

However, it’s still important that you do your research before setting up an account. This is because the bureau’s ratings don’t guarantee performance or reliability. 

EquityMultiple’s record is clear of any major lawsuits or scandals. The platform’s BBB profile also shows that it has zero complaints filed.

EquityMultiple: Frequently asked questions (FAQ)

What is EquityMultiple?

EquityMultiple lets you invest in professionally managed commercial real estate. The platform’s investment choices include institutional commercial real estate, senior debt, equity, and preferred equity. Plus, you can invest through self-directed IRAs, LLCs, LPs, trusts, and joint accounts.

Is EquityMultiple only for accredited investors?

Yes. EquityMultiple only serves accredited investors at this time.

What does it take to be an accredited investor?

In order to qualify as an accredited investor, you need to either have a net worth of at least $1 million, or make $200,000 annually ($300,000 for couples).

Related terms

REIT: Real estate investment trusts are companies that own multiple income-generating real estate assets. Both publicly traded and non-traded REITS exist, but you can buy shares of public REITs through online investment platforms and brokers. Non-traded REITS aren’t listed on public exchanges, so you’ll usually have to consult a broker or advisor to purchase one.Accredited investor: Accredited investors are individuals who either make $200,000 per year ($300,000 for couples), or have a net worth of at least $1 million.Self-directed IRA: Similar to regular IRAs, you can set up a traditional or Roth SDIRA. However, SDIRAs let you build wealth through alternative assets like real estate, precious metals, and cryptocurrencies. Non-self-directed IRAs are for assets like stocks, ETFs, mutual funds, and other assets.Illiquid: An asset is considered “illiquid” when it can’t be easily converted to cash. Unlike REITs and real estate funds that you can quickly trade on exchanges, many tangible real estate investments — like commercial properties — include longer investment terms.

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