Steady income stream. I have invested in Groundfloor for a little over a year. In that time I averaged between 11-12% return on my investment. As yet I have not invested in a unit that has gone through foreclosure, but it will happen sooner or later, which is why Groundfloor strongly encourages you to invest smaller amounts into many loans. One thing to note is that a loan may go longer or shorter than the time stated in the loan. You still get the interest the whole time, so not a huge concern for me. If you have savings in a bank drawing pennies a year in interest, this should be something you look into as a part of your investment portfolio.

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.

Real-estate investing made easy. Real-estate investing made easy. Web portal is simple even with multiple accounts. The Investment Wizard gives you your time back by not having to plug in all the criteria you wish to filter through. A fantastic investment vehicle with decent returns.

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.

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!