Elevate Money logo

Elevate Money

Fractional REIT investing with low minimums

real estate
Founded 2020Regulation Reg A+
Min Investment
$100
Target Return
6–10%Annualized
Annual Fee
1%of AUM
Liquidity
Quarterly
Accredited
NoOpen to all

Pros & Cons

Pros

  • $100 minimum
  • No accreditation
  • Passive income

Cons

  • Small platform
  • Illiquid
  • Limited track record
01

The Brief

MoneyMade Verdict

Elevate Money offered a genuinely accessible entry point into commercial real estate — $100 minimum, no accreditation required, and a 6.5% annualized dividend that paid consistently from launch through early 2024 — but the REIT paused dividend declarations in February 2024 citing interest rate pressure on property values, and as of this writing there is no public SEC filing confirming reinstatement. Until dividends resume and the platform publishes updated NAV disclosures, Elevate Money carries meaningful uncertainty for income-focused investors.

Elevate Money is a Newport Beach, California-based real estate platform founded in 2020 that launched its first public REIT in September 2021. The company is built around a single core idea: give everyday investors — non-accredited investors included — fractional ownership of income-producing commercial real estate, starting at just $100 per share. Its flagship product, REIT I (branded as the STNL+ Income-Focused REIT), focuses on single-tenant, net-lease (STNL) commercial properties: think Family Dollar stores, Shell gas stations, quick-service restaurants, and car washes. A second fund, the Future of Housing Fund (FOHF), targets modular housing communities in partnership with manufacturer Boxabl, with a higher minimum of $1,000.

The platform is managed directly by Elevate's team rather than operated as a marketplace, meaning the company sources, acquires, and manages all properties on investors' behalf. From launch through January 2024, Elevate consistently declared monthly dividends at a 6.5% annualized yield. However, in March 2024 the company filed an SEC disclosure revealing that its board had paused dividend declarations effective February 1, 2024, citing the negative impact of rising interest rates on STNL property valuations. Separately, the REIT's auditor Baker Tilly resigned in December 2023; the company subsequently engaged Fruci & Associates II. These two events together represent a material change in the platform's risk profile that prospective investors should research carefully before committing capital. Verify current dividend status directly at elevate.money before investing.

02

Target Projection

If the 6–10% target is achieved every year, net of fees

Target low · 6%

$16,289

Target mid · 8%

$19,672

Target high · 10%

$23,674

Reality checkThis projection assumes the target return range is achieved every single year, net of fees. Real-world returns vary significantly — Elevate Money's actual history includes years of negative returns. Target ranges describe what the platform aims to achieve, not guaranteed outcomes. Past performance does not guarantee future results.
03

The Cost of Fees

InvestmentHorizon
What a 1% annual fee actually costs over time.$10,000 · 10 yr · 8% gross return
$5K$11K$16K 0yr2yr4yr6yr8yr10yr
Value after fees
Fees paid (cumulative)
Value if fees were 0%

Gross ending value

$21,589

Net ending value

$19,672

Total fees paid

−$1,918

04

Head-to-Head

PlatformMinTarget ReturnAnnual FeeLiquidityAccredited
Elevate Money logoElevate Money◀$1006–10%0.5–1% annualQuarterlyNo
Prologis REIT logoPrologis REIT—3–5% dividend yieldBrokerage commissionDaily (NYSE)No
STAG Industrial logoSTAG Industrial—4–5% dividend yieldBrokerage commissionDaily (NYSE)No
Nuveen Real Estate logoNuveen Real Estate—4–8%Expense ratioDaily (REIT)No
Doorvest logoDoorvest—8–12%Management fee5+ yearsNo
06

Also in Real Estate

Ready to invest?

Get started with Elevate Money in under five minutes.

Visit Elevate Money →