Fundrise Review 2024:¿Es una plataforma de inversión inmobiliaria segura y legítima?

Quiere diversificar su cartera

✔️

Necesitas Liquidez

✔️

Quiere protegerse contra la inflación

✔️

Quiere tener control sobre todas sus inversiones

✔️

No le importa bloquear su dinero durante más de 5 años

✔️

Te gusta el Day Trading

✔️

Quiere protegerse contra la volatilidad del mercado de valores

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Recuerda que invertir en bienes raíces Puede que no sea la opción adecuada para todos, pero aún así es importante mantenerse informado sobre sus opciones.

¿Por qué debería invertir en bienes raíces comerciales?

La razón por la que los bienes raíces comerciales pueden ser tan beneficiosos es que las personas necesitan un lugar para vivir y realizar sus negocios.

Algunos ejemplos de bienes raíces comerciales pueden incluir:

• Centros comerciales
• Hoteles
• Edificios de oficinas
• Centros médicos
• Propiedad industrial
• Naves industriales
• Complejos de edificios de apartamentos

Realmente se gana dinero de dos maneras con la inversión en bienes raíces comerciales:

• Ingresos pasivos por alquiler
• Valoración de la propiedad 

Los beneficios adicionales incluyen:

• Estabilidad de los precios de la vivienda
• Ingresos pasivos por alquiler
• Protección contra la inflación

Incluso durante una recesión, es probable que obtenga ingresos pasivos de sus inversiones en propiedades comerciales.

Cómo invertir con Fundrise 

Hay cinco formas de invertir con Fundrise, con paquetes que van desde $10 hasta $100 000.

Eche un vistazo a las descripciones a continuación:

Echemos un vistazo más de cerca a la inversión mínima para cada uno de los 5 planes:

Iniciador

$10

Básico

$1000

Núcleo

$5,000

Avanzado

$10,000

Prémium

$100,000

A continuación se muestran algunos fondos de inversión a los que podría destinar su dinero si invierte a través de Fundrise:

Y, dependiendo de su tolerancia al riesgo, es posible que pueda invertir en 1 de 4 estrategias de inversión diferentes.

Profundicemos en las estrategias de inversión de Fundrise.

Estrategias de inversión para recaudar fondos 

Puede elegir entre 4 estrategias de inversión diferentes con Fundrise:

1. Núcleo Plus
2. Valor añadido
3. Renta Fija
4. Oportunista 

El siguiente cuadro puede ilustrar mejor la relación riesgo versus retorno entre los 4 tipos de estrategias de inversión.

Por lo tanto, si prefiere menos riesgo, puede considerar buscar una cartera de renta fija (que generalmente se centra en la generación pasiva de ingresos y no tanto en la apreciación de la propiedad).

Aquí se ve mejor la diferencia entre las 4 estrategias:

Profundicemos en las 4 estrategias de inversión:

Renta fija 

La estrategia de inversión en renta fija se centra en inversiones inmobiliarias de alta calidad que pueden producir rendimientos superiores a la media.

La desventaja de una estrategia de renta fija es que asumes un riesgo menor, lo que significa que normalmente también generas retornos más bajos.

A continuación se muestran algunas propiedades típicas de inversión de renta fija:

Núcleo Plus

El modelo Core Plus es un poco más riesgoso que el modelo de Renta Fija, donde Fundrise busca financiar proyectos inmobiliarios de calidad en mercados en crecimiento.

Tenga en cuenta que el modelo de Renta Fija tiene como objetivo generar entre el 6% y el 8% de los ingresos pasivos, mientras que el modelo Core Plus se centra en el 4% al 6% de los ingresos.

Por otro lado, el modelo Core Plus apunta a una rentabilidad total (incluida la apreciación de la propiedad) de entre el 8% y el 10%, mientras que la rentabilidad total del modelo de Renta Fija es mucho menor, del 6% al 8%.

A continuación se muestran algunas propiedades inmobiliarias típicas del modelo Core Plus:

Valor añadido

El segundo modelo de inversión más riesgoso se conoce como modelo de valor agregado, que generalmente enfatiza la compra de propiedades ya existentes que necesitan una reparación.

En términos generales, estas propiedades son comunidades residenciales en mercados en crecimiento.

Como puede ver, el enfoque en ingresos es muy bajo, entre el 2% y el 4% (en comparación con el modelo de renta fija, que estaba entre el 6% y el 8%).

Sin embargo, el enfoque de retorno total para el modelo de valor agregado es mucho mayor, entre 10% y 12%.

A continuación se muestran algunas propiedades típicas de valor agregado que vería en una cartera de Fundrise:

Oportunista

La última estrategia de inversión, y la más arriesgada, de Fundrise se conoce como fondo oportunista.

El fondo oportunista busca adquirir propiedades que sean:

• Bien ubicado
• Subutilizado
• En mercados en crecimiento 

Las propiedades oportunistas probablemente serán las propiedades a más largo plazo en su cartera de Fundrise.

Como puede ver, el enfoque en los ingresos es prácticamente inexistente, mientras que el enfoque en el rendimiento total es el más alto de las 4 estrategias de inversión.

A continuación se muestran algunas propiedades oportunistas típicas que puede encontrar:

Fundrise IPO e IRA

Además de tener la opción de invertir en eREIT o eFunds, podría tener una tercera opción de inversión:invertir en la propia empresa, Fundrise.

Echemos un vistazo más a fondo a algunas de las características de inversión especiales que ofrece Fundrise:

IPO de recaudación de fondos

Puede acceder a la opción Fundrise IPO si está inscrito en los siguientes tipos de cuenta:

• Núcleo
• Básico
• Premium
• Avanzado

Fundrise afirma que tendrá acceso para invertir en Fundrise durante el primer año de uso de la plataforma de inversión.

Sabiendo que la empresa existe desde 2010 y sabiendo también que ha ayudado a pagar más de 160 millones de dólares en dividendos a los inversores, esta podría ser una opción a considerar.

Recaudar fondos IRA 

Si está buscando una opción con ventajas impositivas que pueda ayudarlo a aumentar su inversión en Fundrise mientras difiere los impuestos, puede considerar abrir una cuenta IRA a través de Fundrise.

Esta opción solo está disponible para los siguientes tipos de cuenta:

• Núcleo
• Básico
• Premium
• Avanzado 

Fundrise ofrece IRA tradicionales y IRA Roth.

A continuación se muestra un desglose rápido de los dos tipos diferentes de vehículos de inversión :

No pagas impuestos sobre tus contribuciones hoy pero sí pagas impuestos sobre cualquier retiro

Pagas impuestos por tus aportaciones hoy pero no pagas impuestos por tus retiros

Tenga en cuenta que existen reglas adicionales asociadas con las cuentas IRA tradicionales y Roth, pero a los efectos de este artículo, seré breve.

Si decide abrir una cuenta IRA con Fundrise, deberá:

• Primero abra una nueva cuenta IRA con Fundrise
• Realice una transferencia directa de fondos IRA (de su antigua IRA) a su nueva IRA

Aquí hay un poco más de información sobre cómo abrir una IRA a través de Fundrise:

Tarifa anual de inversión de IRA

$125

Custodio de Fundrise IRA

Millennium Trust Company, LLC

Cómo obtener la exención de la tarifa de inversión de su IRA durante 1 año

Invierte más de $3000

Cómo obtener la exención de la tarifa de inversión de su IRA durante varios años

Mantener un saldo de cuenta de $25k+

Antes de tomar decisiones rápidas y transferir o abrir nuevas cuentas IRA, investigue realmente y no tema llamar a Fundrise o a su custodio actual de cuentas IRA.

¿Cómo encuentra Fundrise y examina sus inversiones?

Fundrise se toma muy en serio el proceso de investigación para garantizar que usted pueda obtener ganancias y que Fundrise también pueda obtener ganancias (obviamente).

Se pone mejor:Fundrise es en realidad el primero en financiar un acuerdo inmobiliario privado y luego ofrece el acuerdo a los inversores a través de su plataforma de crowdfunding.

Normalmente es al revés, donde los inversores (usted) asumen el riesgo primero.

Entonces, dado que Fundrise asumirá un gran riesgo al invertir primero, naturalmente la empresa se adherirá a un estricto proceso de investigación.

Así es como funciona el proceso de investigación de Fundrise en 4 pasos:

1. Selección de patrocinadores
2. Proceso inicial de verificación del proyecto
3. Suscripción detallada
4. Compra de propiedad

Exploremos estos procesos un poco más en profundidad.

1. Selección de patrocinadores

El primer paso de Fundrise es revisar la empresa y/o los patrocinadores que realizaron el envío inicial.

Mientras Fundrise está inundado de solicitudes de financiación, Fundrise busca empresas que:

• Bien financiado
• Tener poca deuda
• Centrarse en los mercados de EE. UU.
• Tener un historial exitoso

De hecho, de las muchas presentaciones que Fundrise recibe cada semana (alrededor de 250), solo alrededor del 25 % se consideran candidatos viables y pasan al segundo paso de Fundrise.

Veamos el segundo paso.

2. Debida diligencia inicial del proyecto

La segunda parte del proceso de investigación de Fundrise va un paso más allá de la selección de patrocinadores:aquí es donde Fundrise analiza más de cerca el tipo y la naturaleza de la oferta del proyecto.

Fundrise normalmente busca proyectos que se centren en:

• Deuda intermedia
• Acciones preferentes
• Deuda senior garantizada
• Corto plazo (hasta unos 5 años)

Repasemos lo que significan estos términos bastante complejos en inglés sencillo:

Mezzanine Debt

– Is like a hybrid debt that includes both debt financing (aka you are lending money) and equity financing (aka you are becoming the owner)

– Can also give you a right to convert your debt into equity shares

– Is pretty risky in the case a company goes bankrupt, because your initial investment may never be repaid

Preferred Equity

– Not very risky because if the company goes bankrupt, there is a higher chance that you’ll be repaid your initial investment versus if you used a Mezzanine Debt approach

– You don’t have any voting rights, but you can earn dividends based on a company’s income

Senior Secured Debt

– Typically, the lowest risk debt, since this is debt that is backed by an asset as collateral (e.g., your house is collateral for your mortgage company

– If you can’t pay your mortgage, then your mortgage company will take your house, kick you out, and sell your house to make money)

Just remember that the higher your risk, typically speaking, the higher the reward.

You just really have to understand your own comfort level before committing to a certain investment type.

3. Detailed Underwriting

The third step in the Fundrise vetting process really focuses on the granular aspect:Fundrise shreds apart each request to look into the details.

Let’s take a look at what underwriting actually means:

This is really where it matters, and Fundrise takes its time as well.

In fact, Fundrise claims that it ensures each project passes a 350+ data point checklist to review a potential deal’s candidacy for the Fundrise platform.

Some of the data points Fundrise evaluates in each real estate deal include: 

• Site plan
• Sales comparisons
• Rental comparisons
• A list of tenants with subsidies
• Occupancy history of the past 36 months

If you want to take a closer look at additional evaluating criteria, then check out this screenshot below:

As you can see, Fundrise does not take the vetting process lightly.

4. Purchase

The final step in the Fundrise 4-step vetting process is actually purchasing the real estate deal itself.

Keep in mind that Fundrise bears the brunt of the risk because the company pre-funds the deal.

This means you (the investor) has much less risk because you’re not the first person to invest their money. Fundrise is.

What Investments Does Fundrise Offer Investors?

As a Fundrise investor, you can invest in a lot of different private market commercial real estate projects – many of which typically cost between $1 million to $30+ million.

As of early 2022, Fundrise offers 248 active real estate investment projects for its investors.

Take a look at some of the investment options below:

As you can see, there are a variety of projects, ranging from residential apartment construction to a full home construction site.

Here’s a little more insight:

Fundrise invests in these projects

– Single family homes

– Residential apartments

– Industrial commercial property

Locations

– Texas

– Florida

– Georgia

– California

Percent of real estate deals received by Fundrise each year

13,000+

Percent of real estate deals that are approved by Fundrise

<1% of all submitted deals

It appears that the majority of the Fundrise deals are located in what is known as the “Smile States.”

In general, the “Smile States” refers to the Sunbelt region, where cities have been growing faster than their northern counterparts.

Below is a map of the US real estate deals Fundrise is currently offering (as of early 2022):

In fact, southern cities, according to Fundrise, make up 66% of the total urban population growth in the country.

Here’s another good view of the 4 major southern cities Fundrise tends to invest in:

The good news is that even if you’re not well versed when it comes to real estate investing, Fundrise’s team of analysts can help you make an informed and relatively calculated decision to help your investment earn money in the long run.

Just remember to never invest more than what you are comfortable losing.

You’ll have to input your email address and create your own account password.

You’ll also have to fill out additional, personal information, such as:

• Your age 
• How much you can invest
• Why you’re interested in Fundrise
• Who you consult for investing advice
• Your familiarity with investing (are you an expert or beginner?)

One of the questions that I find is very important to answer is the one below:

The duration of your investment, or how long you plan to keep your money illiquid, plays a critical role in whether 1 investment is better for you over another.

I think it’s so important to keep in mind that your investment will be illiquid for a certain period of time.

Once you’ve answered basic investment questions, you’ll have to go through a series of Questions, to set up your user profile:

• Your legal name
• Country of citizenship

Next, you’ll need to select the type of account you plan to open:

You can open an individual account (which is a regular, taxable account that’s titled in your name).

However, you can also open other accounts such as:

• Joint accounts
• Trust accounts
• Entity accounts

From there, you’ll need to input your address, phone number, social security number, etc.

And finally, you can access your profile.

Notice that based on your answers in the initial questionnaire, Fundrise constructs a customized portfolio for you, which you can see on the right.

I do like that Fundrise helps allocate your portfolio based on your answers.

Now, if you’re curious about what each of the 44 different active projects in your investment portfolio looks like, then hover your mouse over a specific color in the circle and click on that color.

For example, if I’m looking at the Core Plus portion of my portfolio, I can scroll through each active project and see the location and roughly how much of my portfolio each project would occupy.

If you want to take it a step further and actually see the project itself, just click on the circle again and a new window will pop open, with your project’s features.

From there, you can click on the “View Details” tab to dig even further into your investment property’s status.

This is a $42 million dollar project – and I’m not going to lie, it’s actually pretty cool to think about being an investor in such a big undertaking!

You’ll see additional details such as the capital funding of the project.

In general, the more debt a project has, the riskier it is.

You’ll want to maintain your debt ratio to about 70% to 80%, so seeing that this project has about 53% of debt, you could feel a little less worried about its inherent risk.

You can also see the project timeline with regular updates:

Normally, I’ve noticed on Fundrise that project updates are made every quarter or so, which means that this update (about 9 months old) could be a little outdated.

However, if you want to learn more about the latest update, just click on the title (in this case, “Stabilized apartments near Tampa, FL”) and you’ll be brought to a separate page.

As you can see, by clicking on the project timeline update itself, you’ll be led to a new page with additional details, including:

• Business plans
• Market analysis
• Local economy analysis
• Analysis on potential income

Personally, however, I would have liked to see a little more information for each project update.

Back in the main page of your investor portal, I’m a big fan of both the “Newsfeed” and the “Spotlight” sections.

The Spotlight Section is there in case you want to take a deeper dive into all things real estate investing.

The Newsfeed Section is available to those who are looking for things like:

• Investor reports
• Fundrise updates
• Quarterly updates
• Fundrise project updates

Now, if you’re ready to invest, you’ll want to click on the orange “Invest Now” button, right in the center of your investor dashboard.

Remember to invest only as much as you are willing to lose.

Investing in real estate can be risky and long-term. Do your research before you commit yourself financially.

How Do I Check for New Fundrise Offerings?

Here’s how to browse through each current real estate investment:

• Go to the home page
• Scroll to the bottom of the page
• Click on “Real Estate,” under the “Products” section

…And voila!

As of early 2022, Fundrise offered more than 248 real estate investment projects for investors like you and me.

Here is a look at a project in Tarpon Springs, Florida (close to Tampa).

If you click on the “View Details” tab, you can see each project’s strategy, market analysis, project timeline, etc.

Fundrise Secondary Market

If you’re concerned about liquidity (aka how easily can you sell your investments), then you should be.

That’s because Fundrise has a very limited secondary market (some would even argue Fundrise does not have a secondary market).

That means you’ll only be able to buy/sell your Fundrise share to other Fundrise investors (so your pool of potential candidates is very small).

Typically, the only reason you would want to resort to the secondary market is that you’re looking for liquidity (aka you need the cash) before the real estate project itself is actually sold.

I should note that selling your shares is not guaranteed – even on the secondary market.

Now, the good news is that you can redeem some of your shares (like if you invested in an eREIT, for instance).

So while you can redeem your shares on only certain investment types, there are several restrictions built into the redeeming process that include:

• You’ll likely never receive 100% of the full share value
• You can only redeem a certain number of shares every quarter
• You can’t redeem your shares within the first 6 months of investing

Below is a rough example of how most redemption schedules would look like, through Fundrise:

Redemption Penalty:0 to 6 Months

You are not allowed to redeem within 6 months

Redemption Penalty:6 Months to 24 Months

5%

Redemption Penalty:24 Months to 36 Months

4%

Redemption Penalty:36+ Months

~3%

In other words, if you have a share that’s valued at $1,000, and if you decide to redeem that share in 12 months, you would only receive 95% of the full share’s value (since you have a 5% early redemption penalty).

For example, as COVID broke out in March of 2020, Fundrise temporarily suspended redemptions until July of 2020.

Make sure you read the fine print before you lock-up your money.

Do I Pay Taxes on My Fundrise Investments?

If you receive quarterly or annual dividends from your investments (like eREITs and eFunds), then you should receive a tax form K-1 to report your income.

The deadline for most companies to issue the K-1 form is March 15, so make sure to check your mail and/or email for notification of your K-1 around that time.

How much you pay in taxes really depends on the classification of your dividends.

Below are the 2 dividend types:

Taxed as capital gains (lower tax rates)

Taxed as ordinary income (higher tax rates)

While real estate can increase in value over time, you will not have to pay taxes on the property appreciation until that property is sold (or you cash out your shares).

Fundrise Education on Real Estate Investing

Do you want to diversify your investment portfolio with private REITs but really don’t know much about the real estate world?

You’re not alone (I’m right there with you!).

Fundrise realizes that most investors may not have a solid background when it comes to real estate – and the platform has found a solution for real estate newbies like me.

Here’s a list of the educational resources Fundrise offers its investors:

Project Timelines

– Describes each real estate investment’s position during the project timeline

– Timelines are typically updated every few months

Client Performance Database

Database featuring the average annual returns of Fundrise client accounts from 2017 to 2021

Fundrise Blog Articles

Thoroughly researched and information-driven articles that provide investors with insight into the real estate investing world

Fact Sheets

Fundrise provides in-depth information about its active and completed real estate projects

Quarterly Reports &Data

Quarterly reports covering the macro and micro level of real estate, including the wellbeing of the commercial real estate markets economy, historical data, and the progress and returns of current projects

FAQs

Fundrise offers in-depth FAQs, where the platform lays out the pros and cons of investing in real estate, paying taxes, how to get started, managing your account, etc.

Customer Service Representative

You can always contact the customer service team by Phone (call 202-584-0550) or by email:  contact@fundrise.com

Investor Relations Team

If you ever have any questions about fees, investments, etc. you can always reach out to the investor relations team by using the following email:investments@fundrise.com

As you can see, Fundrise certainly doesn’t keep the customer in the dark.

Granted, some of the data can be a little dry, but if you’re wondering how (and where) your hard-earned money is going, I would definitely recommend you to do your research first – both on and off the Fundrise platform.

The Future of Real Estate Investing

In the end, the question remains whether the future of real estate investing looks bright or bleak.

Thanks to the rise of FinTech apps, many barriers to entry are broken when it comes to real estate investing.

Other reasons why real estate investing continues to show positive signs include:

• Technology 
• Increased mobility
• Easy-access secondary markets
• Upward trend to work from home

Take a look at the increasing trend of housing prices over the past 20 years:

This graph indicates that housing prices have continued to increase consistently – even while markets may have been rather volatile.

As technology like Fundrise continues to evolve, it will be even more likely that real estate investing will become more accessible to the average Joe.

The Bottom Line:

The future of real estate investing looks very bright, especially thanks to advancements in technology.

Is Fundrise Worth It?

Not many people can say they are private market commercial real estate investors – in fact, it’s typically only the top 1% who can boast about this.

Not anymore.

Fundrise is the real estate crowdfunding investing platform we’ve all been waiting for.

Now, you and I can invest in million-dollar properties without writing million-dollar checks.

Here’s how you use Fundrise:

• Sign-up online 
• Answer investment questions that help Fundrise tailor your portfolio to your situation
• Begin investing in private market commercial real estate

If you decide to invest with Fundrise, then only invest as much as you are comfortable losing.

Remember that the real estate crowdfunding world is still speculative, risky, and illiquid.

FAQs about Fundrise

Is Fundrise legit and safe?

Fundrise is a legit real estate crowdfunding company. However, Fundrise does not offer FDIC or SIPC insurance and there is a chance that you may also lose your full investment, should the tenants default.

How much can you make with Fundrise?

While everyone’s profit potential may vary, in general, you can expect to earn annualized returns between 7.31% to 22.99%, according to Fundrise.

Can you lose money with Fundrise?

You have the potential to lose money should a renter default on their payments, for example. As with almost any investment, returns are never guaranteed.

Is Fundrise a good investment?

Fundrise could be a good investment, as long as you’re comfortable taking some risk in the illiquid and rather high fee world of private real estate investing.

Is Fundrise insured?

No, your investments with Fundrise will not be insured under SIPC or FDIC rules, which are commonly seen for banking or traditional investment clients. Fundrise is registered with the Securities and Exchange Commission.

Is Fundrise worth investing in?

It could make sense to invest in Fundrise if you are looking to diversify your investment portfolio, want to earn passive quarterly income, and if you want to take a calculated risk for a potential higher return – down the road. Just keep in mind that investing your money in Fundrise could mean increased risk, illiquidity, and fees.

Can you make money on Fundrise?

Yes, you can make money on Fundrise in 2 ways:First, you can earn passive income through rents paid, which you’ll receive every quarter in the form of dividends. Second, you can make a profit from the sale of rental properties once they are sold.

Fundrise Review:The Bottom Line

Fundrise makes it possible for virtually anyone to start investing in the real estate world.

Instead of spending $100,000’s or even millions of dollars to buy investment properties, you can start investing for a $10 minimum.

While you can certainly make money investing with Fundrise , it’s important to recognize that there are risks involved with crowdfunding and investing in real estate, some of which include:

• High costs and fees
• Long lock-up periods 
• Higher chance you’ll lose your money

As you can see, investing in private real estate deals may not be for everyone.

If you feel like commercial real estate investing isn’t your best bet, you may want to check out other alternative investments , instead.

Think about your investment options today, because your bank accounts will thank me tomorrow.

Now I’d like to hear from you:

What are your thoughts on Fundrise?

Would you consider investing in the platform?

Let me know in the comments section below.