Beats my Bank & my Broker When I refinanced my home, I took out money for renovations I didn't need yet to capture the low interest rate. That, plus some personal & retirement funds, are invested in over 500 Groundfloor LRO and Stairs. Oh, and Groundfloor Equity, which has more than DOUBLED in 2 years! Compare that to S&P 500 ETF at my traditional brokerage, down 17%+ for the first 8 months of 2022, and pennies at my bank. Yes, I'm happy with Groundfloor!

Very Pleased I have enjoyed the opportunity to tour the country and invest in the livelihood of folks I will never meet. Those buying homes to renovate are hiring plumbers, roofers, cabinet hangers, tile layers, landscape workers, electricians, painters and cleaners. That could be 5-10 other people benefiting from my investment. Having helped with most of these tasks, I know what it takes and I am proud to help put money in the pocket and food on the table for honest working people I will never otherwise impact. It makes me feel good.

I've been investing for over 3 years… I've been investing for over 3 years now. Yes, it is taking longer to get repaid but its Real Estate. It's taking longer for investors to get permits and work completed. This is something everyone needs to be realistic when investing. Since investing, I seen foreclosures on properties but GF has always paid their debt to the investors. I also invest in their notes. Maybe consider that instead of properties. You're paid monthly on interest earned and the principal is paid on completion.

A good investment option Groundfloor is a good investment option. It needs more options with its auto invest feature though. Right now if you choose type C and Type B investments to invest in, it puts both kinds into a pool and then randomly pics the number you can afford. There is no option to prioritize C's over B's for better return or to pick the higher return loans inside the C's. This would make it so people could maximize thier returns. That's what needs to change to get 5 stars. More options to the auto-invest feature.

Relax Relax, it's a debt position. Many of the complaints I see on here are due to late payment and extended loan status. Extended loans have been the most lucrative section of my overall Groundfloor portfolio. If the borrower has my money, they're on the clock, I'm getting paid. I've seen some people mention REITS, however being that those are often equity investments, they are often far riskier. The reason people feel more comfortable with them is because real estate lending is something new with regards to retail investors being able to participate. The risk here is far less than in many other RE investment vehicles. Check any publicly traded REIT's performance over the past 365 days from my review date. You'll find that most of them are down well over 8% on the year, and that's after a monthlong bull run in the sector. I made 9.3% in 2023 on Groundfloor. The key is to DIVERSIFY into as many loans as possible. They make it very easy to do so with $10 minimums per loan on their desktop site, and $1 minimums per loan on their mobile app "Groundfloor Investor" Their auto investor account on mobile is great for someone who wants completely passive income and maximum diversification.