Groundfloor Reviews

Groundfloor | What are you building?

groundfloor.us
3.54
142 reviews
Great Rating
Based on 142 user experiences

Rated 3.54 out of 5 by 142 Happy Customers

42.3%
14.1%
14.8%
13.4%
14.8%
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P

Groundfloor is a very professional and

Groundfloor is a very professional and reliable company to invest with Their website is fantastic their portfolio tracking system for investors is stellar and everything is above board with this company Highly recommend investing with Groundfloor I ve only had good interactions with them with several dozen investments I made with them
F

Thus far Groundfloor has been a rewarding experience

I have been with Groundfoor just under a year now and in all honesty I would have to give the company very high marks Their staff is professional and very prompt to answer any of my questions It has been a very good experience with them Their reporting system is outstanding and extremely helpful The detail provided in their reports has been most appreciated and valuable I felt it wise to test the company out for a few months prior to recommending it to others but the experience of those who I have introduced Groundfloor to has been very positive as well The one concern that I do have is that I sense that they could do a more careful review of their prospective contractors before offering to fund their loans I was a bit surprised that their extension rate is higher than I would like it to be In their defense the turbulent times our nation is going through has made getting materials in a timely manner very challenging and that may explain a higher extension rate than I had anticipated
W

Join the future of real estate investing

I ve been an investor in companies of this type and Groundfloor has by far been the best and most consistent with returns on investment Additionally being able to invest in the company is an added plus I m planning to become a borrower also and am hopeful that my positive experiences on the investing side continue there
J

Excellent Short-Term Investment Option

I was looking for a solution for short-term investing outside of the stock market Groundfloor offers a unique style of real estate backed debt investments which generate consistent returns that are hard to match on other platforms Diversification across multiple properties is made simple with the 10 minimum I have had occasion to work with Support a few times and have received excellent service I would highly recommend Groundfloor to any investor looking for consistent returns with the flexibility of having their money available in the short term
O

Best place to invest

If you have a spare or extra dollar this is the best place to invest better than bank I started not even a year I have seen returns on my mone
K

Great returns

Excellent I have had a great experience so far I have been investing for 2 years and have consistently earned 9 or more Really cool way to diversify your portfolio Groundfloor just introduced an app that has dynamic investing I love the website for a more in-depth view of investment opportunities 10 10 would recommend
R

Return on investment has been bar none

Return on investment has been bar none the best use of my investment dollars Thank you Groundfloor for allowing me to invest in real estate so effortlessly with a great trustworthy company
C

Ground floor is a great platform

Ground floor is a great platform I have had great success with diversification across markets and ratings The easy to use platform can be set to do automated investments
S

Great experience so far

Great experience so far I ve been investing for over a year now and nothing but positive results No bad investments to date and enjoy the nice returns on my various investments
G

Great application for real-state investment Highly recommend

This application delivers exactly what it says Consistent 8 -13 year returns on the loaned capital with very low levels of risk Their website is transparent and provides enough information to understand what is happening with each loan Each loan is separately backed by an individual real-state property If there is a problem with the repayment they handle all the issues including foreclosing and selling the property I have been using the application over 2 years I follow their advice of diversification by investing a small amount on each loan and spreading the investment over many loans As a result I have had many 100 loan repayments and I can vouch that the level of risk matches their analysis I had a few of the loans default and return less than expected and one whose return did not cover the principal after they foreclosed the property However despite this the impact on the overall returns was quite small To date I have gotten a 10 3 annualized return on all repaid loans versus the 10 6 I would have had if there had been no loan defaults I have recommended it to many friends and colleagues

About Groundfloor

Groundfloor is a new financial tool for retail investors. We open the door to short-term, high-yield returns backed by real estate.

United States

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Frequently Asked Questions

Groundfloor is a financial technology company and funding portal that connects individual investors with short-term, high-yield real estate debt investments. Its mission is to democratize real estate investing by making it accessible to non-accredited investors with low minimum investment requirements, primarily focusing on residential fix-and-flip and new construction projects.

Investors browse vetted loan opportunities on the Groundfloor platform, each detailed with property information, loan purpose, borrower history, projected returns, and a risk rating (A through G). Investors purchase fractional debt notes, not direct property ownership, with minimums as low as $10. They receive proportional interest payments as borrowers repay their loans, typically over 6 to 18 months.

No, accreditation is not required to invest through Groundfloor. The platform operates under Regulation A of the Securities Act, which qualifies its offerings for both accredited and non-accredited investors, making real estate debt investing available to the general public.

The minimum investment on Groundfloor starts at $10 per loan. This low threshold allows investors to build diversified portfolios across multiple real estate projects, helping to spread and manage investment risk effectively.

Groundfloor primarily finances short-term loans for residential real estate projects, including fix-and-flip renovations and new construction. These loans are used by developers and house flippers to purchase, renovate, and sell properties, with terms generally ranging from 6 to 18 months.

About Groundfloor

Groundfloor: Democratizing Real Estate Investing

Groundfloor.us is the official website of Groundfloor, a financial technology company that has pioneered a unique model for real estate investment. The platform operates as a limited liability company and functions as a funding portal, connecting individual investors with short-term, high-yield real estate debt investments. Its core mission is to make real estate lending accessible to a broader audience, breaking down the traditional barriers of high capital requirements and accreditation status that have long defined the private real estate market.

How Groundfloor Works

The platform facilitates investments in residential fix-and-flip and new construction projects. Here is a breakdown of its operational model:

  • For Borrowers:Real estate developers and house flippers apply to Groundfloor for loans to finance their projects. These are typically short-term loans (6-18 months) used for purchasing, renovating, and selling residential properties.
  • For Investors:Individual investors can browse vetted loan opportunities on the Groundfloor website or mobile app. Each project is listed with detailed information, including the property location, loan purpose, borrower track record, projected returns (often ranging from 6% to 14% annually), and a risk rating assigned by Groundfloor (A through G).
  • The Investment Vehicle:Investors do not directly own a piece of the property. Instead, they purchase securities in the form of fractional debt notes. This means an investor can participate in a loan with a minimum investment often as low as $10, receiving proportional interest payments as the borrower repays the loan.

Key Features and Offerings

Groundfloor distinguishes itself through several key features designed for investor accessibility and education.

  • No Accreditation Required:Unlike many private real estate investment platforms, Groundfloor is open to non-accredited investors. This is possible because its offerings are qualified under Regulation A of the Securities Act, making them available to the general public.
  • Low Minimum Investment:With minimums starting at just $10, the platform allows for highly diversified portfolios across numerous loans, enabling investors to spread risk effectively.
  • Automated Investing Tools:Groundfloor offers an "Autopilot" feature, which allows investors to set custom criteria (like risk grade, loan term, or return target). The system then automatically allocates funds to new loans that match those parameters.
  • Transparency and Education:The website provides extensive educational resources, including a blog, guides, and a detailed explanation of its loan grading system. Each investment opportunity features a comprehensive project summary, fostering informed decision-making.
  • Secondary Market:Groundfloor operates a limited secondary market, providing some liquidity for investors who wish to sell their notes before a loan matures, though this is subject to market demand.

Considerations for Investors

While Groundfloor opens new doors, it is crucial for potential investors to understand the associated risks. These investments are not FDIC-insured and are subject to potential loss. The success of an investment is directly tied to the borrower's ability to complete and sell the property profitably. Groundfloor's risk ratings provide guidance, but all investments carry inherent risk, including the possibility of default. The platform's historical performance data is available for review, but past performance does not guarantee future results.

In summary, Groundfloor.us presents an innovative online platform that demystifies and opens access to real estate debt investing. By fractionalizing loans and eliminating accreditation hurdles, it empowers everyday individuals to build a diversified portfolio of short-term, income-generating real estate assets, fundamentally altering who can participate in the private lending market.