# Groundfloor: Invest In Homes — Passive Real Estate Investing

> Invest in short-term real estate loans for passive income, starting from $100. (iPhone/iPad app by Groundfloor Finance Inc..)

- Source: https://appshunter.io/ios/app/groundfloor-invest-in-homes/id1569086243 (this page in markdown: same URL + `.md`)
- Developer: [Groundfloor Finance Inc.](https://appshunter.io/developer/1509074055)
- Category: Finance, Business
- Price: Free
- Rating: 4.50/5 from 2,159 App Store ratings · 89 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 101 MB
- Languages: American English
- Released: 2022-08-16
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/groundfloor-invest-in-homes/id1569086243/reviews.md

## What is Groundfloor?

Real estate investing made easy—start with just $100. Earn passive income from high‑yield, short‑term real estate loans. Get automatic diversification, weekly payouts via Flywheel Portfolio, and self‑directed LROs for full control.

PASSIVE INCOME BACKED BY REAL ESTATE
Alternative investing shouldn't be reserved for the wealthy. Groundfloor lets you build wealth with short‑term real estate debt—without buying property or managing tenants.

WHY GROUNDFLOOR?
- Accessible to all investors: accredited or not, invest from just $10 with LROs or $100 with Flywheel or Notes.
- Highly transparent & regulated: SEC‑regulated, over 270,000 investors, 12+ years experience.
- Multiple investment paths:
    • Flywheel Portfolio: Diversify instantly across hundreds of loans, enjoy weekly payouts.
    • Limited Recourse Obligations (LROs): Choose projects by term, yield, and risk.
    • Notes: Fixed‑term returns (5–7%) backed by diversified real estate loans.
- Strong potential returns: Historically delivering 10–14% returns.
- Flexible liquidity: Terms as short as 30 days.
- IRA‑compatible: Invest via Traditional, Roth, SEP, SIMPLE, or Rollover IRAs.

HOW IT WORKS
1. Create your account and choose your strategy.
2. Invest from $10–$100 depending on product.
3. Watch returns compound via interest payments or loan repayments.
4. Reinvest automatically or withdraw when available.

Groundfloor is designed for both beginners and experienced investors—transparent, simple, and built for your financial goals.

Download now and start earning today.

## Key features

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

## What do users think of Groundfloor?

Overall sentiment: negative

**Pros**

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

**Cons**

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

**Commonly reported bugs**

- Transactions page frequently fails to load
- App signs users out randomly
- Face unlock never works

**Most requested features**

- Detailed breakdown of investment performance
- Option to invest in individual loans
- Dedicated iPad app
- Biometric login support

## Recent user reviews (10 of 89)

All indexed reviews: https://appshunter.io/ios/app/groundfloor-invest-in-homes/id1569086243/reviews.md

### 5/5 — My real estate experience

*2026-08-14, version 2.0.65*

I’m loving it

### 3/5 — Been at this for a few years

*2026-08-10, version 2.0.64*

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

### 3/5 — Tricky

*2026-08-09, version 2.0.64*

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!!!

### 5/5 — One of the most reliable money makers out there

*2026-06-18, version 2.0.56*

Love it, wish I started earlier.

### 5/5 — Satisfied

*2026-06-06, version 2.0.54*

Skeptical at first. Making better returns than a bank.

### 5/5 — Investing grandma

*2026-05-31, version 2.0.53*

I have invested in Groundfloor since almost its inception.  It’s an easy vehicle to use for investing.  I recommend this tool to many young people as a way to get their feet wet in the world of investing.

### 1/5 — Poor Investmments

*2026-05-30, version 2.0.53*

Groundfloor consistently makes terrible loans that go into default.  Wish I never started money with them.  Amazing they are still in business with such an ibcredibly high default rate.

### 3/5 — Easy but deceptive

*2026-05-27, version 2.0.52*

Groundfloor is a very easy way to invest in real estate. They take care of everything for you through your portfolio, all you have to do is deposit money. It’s a pretty good system and works as intended

The issue comes when you need to withdraw that money. I stopped adding money about 2 years ago when I realized you’re only allowed to withdraw when the property your money is “invested in” finally “closes”? I originally had over $1k in my account in 2024. 2 and a half years later, I still have $642. The rate at which you can withdraw money is incredibly slow and random.

### 3/5 — Updates

*2026-05-20, version 2.0.51*

Each update makes the app worse.  Harder to find info on property locations etc.

### 1/5 — BE AWARE

*2026-05-16, version 2.0.51*

I made a sizable withdrawal from my Groundfloor account and the money did not get deposited into my checking account and they are not responding to my attempts to communicate with them - beware!

## Frequently asked questions about Groundfloor

### 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.

## Version history (last 5 releases)

### 2.0.67 — 2026-08-26

- updated copy

### 2.0.65 — 2026-08-13

- updated investment portal

### 2.0.64 — 2026-08-05

- Updated onboarding

### 2.0.63 — 2026-07-29

- update contact information

### 2.0.62 — 2026-07-23

- Updated reporting

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## More apps by Groundfloor Finance Inc.

- [Stairs: Savings App](https://appshunter.io/ios/app/stairs-savings-app/id1509074056)

All apps by Groundfloor Finance Inc.: https://appshunter.io/developer/1509074055

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*