Real estate debt • Senior secured loans • 7–10% target yields

Real estate returns. Without the landlord.

Senior secured real estate debt with 7.8–10% target yields. No tenants, no management, no equity volatility. From $10.

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Risk disclosure: Real estate debt investments are not bank deposits and are not FDIC insured. You may lose some or all of your principal. Target yields are not guaranteed.

What to compare

Debt vs equity — key differences

Real estate debt pays interest income. You are the lender, not the owner — senior claim in a default, but capped upside.

Target yield7–10% annually
SecuritySenior secured by property
VolatilityLow (no equity exposure)
Min. investmentFrom $10 (non-accredited)

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Platform comparison

Compare real estate debt platforms side by side

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Fundrise

Most accessibleNon-accredited OK

Commercial and residential debt nationwide

Target yield8.2% target (2023 avg)
Minimum$10
LiquidityQuarterly redemptions

Yieldstreet Real Estate

Accredited only

Bridge loans, multifamily, commercial

Target yield7–10% target
Minimum$10,000
LiquidityFixed term (6–36 months)

CrowdStreet

High minimum

Commercial real estate equity and debt

Target yield9–12% target (deal-dependent)
Minimum$25,000
LiquidityFixed term (3–5 years)

Arrived Homes

Beginner-friendlyNon-accredited OK

Single-family rental properties

Target yield5–7% rental yield + appreciation
Minimum$100
LiquidityQuarterly (limited)

Editorial Disclosure: SwitchWize may earn referral compensation when you click through to a partner. Target yields are not guaranteed. Past performance does not predict future results.

How it works

How real estate debt investing works

1

Platform originates loans

Real estate debt platforms underwrite and originate short-term loans to property developers or owners — typically bridge loans for renovation or construction.

2

Loans are secured by property

Unlike unsecured lending, real estate debt is secured by the underlying property. Senior secured lenders have first claim in a default scenario.

3

You earn interest income

Borrowers pay interest rates of 8–12% on the capital. After platform fees, investors receive 7–10% in target net returns, paid monthly or at maturity.

4

Loan matures or property sells

When the borrower repays (typically 6–36 months), your principal is returned. Some platforms offer secondary market liquidity before maturity.

Compare real estate debt alongside private credit, interval funds, and insurance products.

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See all alternatives Compare private credit

Common questions

What is real estate debt investing?›
Real estate debt investing means lending money to property owners or developers, secured by real estate collateral. You earn interest income rather than equity appreciation. In a default, debt holders have priority claim over equity holders.
How is this different from buying a rental property?›
You're the lender, not the owner. No tenants, no maintenance, no management. You earn a fixed or variable interest rate on the loan. The tradeoff is that your upside is capped at the interest rate — you don't benefit from property appreciation.
What happens if the borrower defaults?›
As a senior secured lender, you have first claim on the property. The platform would initiate foreclosure proceedings. Actual recovery depends on the loan-to-value ratio and property market conditions. No recovery is guaranteed.
Are these platforms FDIC insured?›
No. Real estate debt investments are not bank deposits and are not FDIC insured. They carry real risk of loss, including loss of principal.
What loan-to-value ratios should I look for?›
Lower LTV (loan-to-value) ratios provide more cushion in a default scenario. Most conservative real estate debt platforms target LTVs of 60–75%. Higher LTV loans offer higher yields but carry more risk.