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Groundfloor: Invest In Homes

Groundfloor: Invest In Homes

Passive Real Estate Investing

2.2K ratings
89 reviews
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • August 16, 2022
  • August 26, 2026

Features

Developer

Groundfloor Finance Inc.
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About

Invest in real estate debt with as little as $100 and earn passive income. Choose from diversified portfolios, individual projects, or fixed-term notes. The platform is SEC-regulated and offers flexible liquidity options, including IRA compatibility.

✓Invest from $100
✓Passive real estate income
✓Diversified portfolios
✓Weekly payouts
✓IRA compatible
✓SEC-regulated platform
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What users say

Summarized from real user reviews of Groundfloor. Based on 2.2K reviews and a 4.5/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Sleek and modern UI
  • 💰Consistent returns around 10%
  • 🤑Generous sign-up bonus
  • 🤖Convenient auto-investing feature

Negative things

  • 🐛Buggy and laggy app experience
  • 🔒Difficulty withdrawing funds
  • 💸High default/foreclosure rates
  • 🤔Lack of transparency on loan status
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+1

What's New in Groundfloor

2.0.67

August 26, 2026

- updated copy

User reviews

Most RecentHighest RatedLowest Rated

My real estate experience

I’m loving it
ItsmejusmeeItsmejusmee

Been at this for a few years

Slow process to make money, turn around on invest is super long.
MrHartattackMrHartattack

Tricky

I have almost four years since my first investment here. Think about…if you decide no continuing investment any more on this platform probably you NEVER will get back your principal investment amount because the trick is you can get cashback only EARNINGS.Other platforms I use(CONCREIT)can get back your ALL money invested(except NOTES or SHARES)any time in about 2-5weeks.
Easy!!!
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Silvio TejadaSilvio Tejada

One of the most reliable money makers out there

Love it, wish I started earlier.
AmericanAnimalAmericanAnimal

Satisfied

Skeptical at first. Making better returns than a bank.
RogueBard1RogueBard1
See 84 more reviews

Developer apps

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User experience

🐞

Reported Bugs

3 issues

Transactions page frequently fails to load

Bug

App signs users out randomly

Bug

Face unlock never works

Bug
✨

Requested Features

4 requests

Detailed breakdown of investment performance

Feature

Option to invest in individual loans

Feature

Dedicated iPad app

Feature

Biometric login support

Feature

FAQ

What is Groundfloor?

Groundfloor is a platform that allows individuals to invest in short-term real estate debt. It offers a way to earn passive income backed by real estate without the complexities of property ownership or tenant management. The platform is SEC-regulated and designed for both beginner and experienced investors.

How can I invest with Groundfloor?

You can invest in Groundfloor through several paths: the Flywheel Portfolio for instant diversification and weekly payouts, Limited Recourse Obligations (LROs) to choose specific projects, or Notes for fixed-term returns. Investments can start from as little as $10 with LROs or $100 with Flywheel or Notes.

Is Groundfloor suitable for beginners?

Yes, Groundfloor is designed to be accessible to all investors, including beginners who are not accredited. The platform provides transparent and simple investment options, allowing users to build wealth through real estate debt with low minimum investment requirements.

What are the potential returns and liquidity options?

Historically, Groundfloor has delivered returns between 10-14%. The platform offers flexible liquidity with investment terms as short as 30 days. You can choose to reinvest your earnings to compound returns or withdraw them when available.

Can I use my IRA to invest with Groundfloor?

Yes, Groundfloor is compatible with various IRA types, including Traditional, Roth, SEP, and SIMPLE IRAs, as well as Rollover IRAs. This allows you to invest in real estate debt within your retirement accounts.