Roofstock Review 2021: Pros, Cons, & Expert Opinion


In a nutshell: Roofstock is a low-cost investing platform that makes it easy for anyone to start investing in real estate.

With its low fees, excellent customer service, and thorough inspections, Roofstock makes a great case for one of the best RE investing platforms around.


0.5% of Purchase Price

Minimum Investment

$5,000 (Roofstock One)


  • Thorough home inspection

  • Property managers available

  • Low fees


  • Large down payments

  • Properties can’t always been seen before buying

  • Property owners pay for repairs

In a nutshell: Roofstock is a low-cost investing platform that makes it easy for anyone to start investing in real estate.

With its low fees, excellent customer service, and thorough inspections, Roofstock makes a great case for one of the best RE investing platforms around.


  • Thorough home inspection

  • Property managers available

  • Low fees


  • Large down payments

  • Properties can’t always be seen before buying

  • Property owners pay for repairs

Disclosure: This Roofstock review may contain affiliate links. This means we earn a small commission (at no additional cost to you) if you purchase a product through our links.

If you’re new to real estate investing, entering the marketplace can seem overwhelming. You already have your own home to worry about, so how can you honestly deal with another one?

Well, having a platform that simplifies the process makes it easier for new investors.

Enter RoofstockThis online marketplace lets you purchase single-family homes with existing tenants and low fees. Plus, there’s no need to be an accredited investor.

You just open your account and start browsing, which makes Roofstock the ideal way for beginners to embark on their first real estate venture. Pretty simple!

Sound good? Read our expert Roofstock review to find if this could be the right option for you.

Roofstock At A Glance

Sign Up Costs


Account Fees


Time Commitment

0 months

Accreditation Required?

Only for Roofstock One

Property Types

Single-Family Rental Homes

Investment Types

Direct Ownership, Equity

Regions Served

Over 70 Markets




30-day Satisfaction Guarantee

Property Management Service


What Is Roofstock?

Roofstock is a Fin-tech startup that helps beginners invest in real estate. If you have no idea what Fin-tech is, don’t worry–we won’t quiz you on that.

Focusing on single-family homes, Roofstock offers an impressive inventory which you can then rent to tenants. Then, the rent checks start rolling in.

That is different from real estate crowdfunding platforms like Fundrise, which only allow you pool your money with other investors.

Roofstock’s properties are also turnkey, meaning they can be rented out immediately.

Platforms like Fundrise invest in commercial real estate, REITs, and other large-scale projects such as apartment complexes. Conversely, Roofstock lets you buy your own properties outright.

Learn: Roofstock vs. Fundrise: Comparing the Best Crowdfunding Platforms

Launched back in 2015, Roofstock was funded with $133 million of venture capital and its first transaction was in 2016.

Roofstock provides analytics, insights, and research for every offering. These tools enable you to evaluate and then purchase investment properties.

Also, all properties have been independently certified.

This platform has a long and well-established history in the marketplace. After all, it was set up to be a rental property marketplace that was created by investors, for investors.

How Does Roofstock Work?

If you visit the Roofstock platform, you’ll find a user-friendly search filter. It allows you to find investment properties sorted by the features that are important to you.

This includes criteria such as:

  • Pricing information
  • Location
  • Neighborhood rating
  • Gross yield
  • Type of funding
  • Estimated annual appreciation

Indeed, you can search for almost anything imaginable, which is pretty dang nice.

Plus, once you’ve registered with the site, it’s possible to save your own custom filters. As a result, it is a breeze to find the right offerings to suit your needs each time you use the platform.

Also, the Roofstock Guarantee should give you more confidence in your purchases. The guarantee has two parts:

  • 30-day Money-Back guarantee: All Roofstock properties come with a money-back guarantee. If you aren’t fully satisfied with your purchase, you can contact Roofstock up to 30 days after for a full refund.
  • Lease Up Guarantee: If you buy a vacant home, Roofstock guarantees the property will be occupied within 45 days. If it isn’t, they’ll pay your rent (less property management fees) for up to a year.

You can also sell properties on the Roofstock platform. There is a 3.0% fee for selling, but there are no brokerage fees. Furthermore, Roofstock helps you occupy your properties right away.

Where Can You Buy Properties?

One of the best things about Roofstock is that you can buy properties anywhere they are available. That includes major real estate markets all over the United States, such as:

  • San Francisco
  • Los Angeles
  • Atlanta
  • Chicago
  • Miami
  • Dallas
  • Houston

Even if you live in a small town, you can set now set your real estate eyes on the big city!

Currently, the platform only has properties in the United States, but it always expanding.

It also gives you the option to browse properties by market. In other words, if you have a specific area where you know you want to buy, you can look at properties in just that area.

The knowledge center also has articles about a few of its markets, allowing you to gain insight into market trends and developments.

Why Choose Roofstock?

Roofstock stands out from its competitors because it sells homes with existing tenants. Plus, current property owners are keen to move on and to sell up to another landlord.

On the Roofstock platform, you can browse available properties, purchase the one that’s right for you, and enjoy a steady income flow from day one. Good deal, eh?

Essentially, it’s an ideal investment opportunity if you’re seeking a passive source of income with minimal hassle.

A key element of owning rental properties is managing those properties. As a result, the landlord must carry out several tasks, including:

  • Screening tenants and placing them
  • Collecting rent
  • Handling maintenance issues
  • Managing turnover of tenants

These are all time-consuming tasks. Consequently, when properties aren’t managed correctly, your rental property can easily drain your resources.

This is where Roofstock can help.

It has a “preferred property managers” service with screened professionals who can manage your rental home on your behalf.

That saves you time and effort if you’d prefer to avoid taking on landlord responsibilities yourself.

Plus, leaving the heavy lifting up to a property management company is a great way to earn passive income.

Self-Directed IRA

Roofstock has also added a self-directed IRA option. They partnered with New Direction Trust Company (NDTC) to provide tax-deferred real estate investments.

To get started, all you have to do is open an IRA with NDTC. If you have an existing 401k or IRA, there is a rollover option as well.

This is a nice option since you would normally invest after-tax dollars with Roofstock. Real estate investing in an IRA allows even better growth potential.

Investor Reviews

Real investors have lots of positive things to say about using the Roofstock platform. Check them out below:

Roofstock enables me to market specifically to people that would be potential buyers – and not only nationally, but internationally.

Nate P // Financial

Great option for sellers looking to get rid of their rental property with tenants in place and/or not wanting to leave it empty while selling. Roofstock also minimized the high cost of selling without the need for high commission costs.

N Fiorito and S Fiorito

The most attractive feature to me is that I’m selling an occupied property. During the listing process, I keep getting rent. With a fix and flip, I have to eat up all the interest, utilities, and staging costs.

Billy Tran // Fix & Flipper

Roofstock FAQ

Given that real estate investment marketplaces are a new concept for many people, you are bound to have questions.

So, let’s go ahead and answer some of the more common ones.

Can I Trust Roofstock?

Yes, Roofstock is a company you can trust. Of course, you want to be certain that when you invest you’re choosing a reliable platform that you can trust.

Luckily, Roofstock’s comprehensive certification process ensures the homes on the platform live up to a high standard. As well, properties have to be professionally inspected with all repair costs estimated with an accurate valuation.

And if available, you’ll be able to view a property inspection report, property valuation, title report, and insurance quote.

Photographs, floor plans, and title reports must also be in place for the investor’s peace of mind.

Roofstock inspection

Roofstock even refuses property listings when it believes asking prices are too high.

Having facilitated over $2 billion worth of transactions since 2015, Roofstock’s co-founder and CEO has extensive experience in real estate investing.

Gary Beasley was previously co-CEO for Starwood Waypoint Residential Trust and CFO of ZipRealty.

His co-founder, Gregor Watson, worked in the real estate market for 15 years before forming this partnership to create Roofstock.

Another co-founder, Rich Ford, has two decades of M&A experience, so you can be confident he has the in-depth knowledge to lay the groundwork for the platform’s deal analytics, supply, and underwriting models.

All of this adds up to a reputable and trustworthy real estate platform. You should always do your due diligence when purchasing new properties. That said, Roofstock does much of the work for you.

The certification process is quite comprehensive, so you can be confident in each property on the platform.

Who Can Buy Properties From Roofstock?

Anyone who has the money to invest can buy properties from Roofstock. And there’s no need to be an accredited investor.

Nope, no need for fancy titles–unless you want to join Roofstock One.

Of course, you’ll need to have the capital to pay for the property unless you plan to finance it. That’s because lenders usually demand that investors make a down payment of around 20% of the purchase price.

You’ll also have to pay the closing costs of around 4-5% of the property price. In practical terms, this means that you’ll have a minimum investment of about $20,000 on a property worth $80,000.

When it comes to Roofstock One, you are making an investment worth a minimum of a tenth of the property’s value, so for a property worth $80,000, you’ll need to pay $5,000.

What Kind Of Returns Can I Expect On A Roofstock Investment?


Most properties available for purchase on the Roofstock platform project cap rates of between 5-8% and gross returns of between 11-12% before expenses.

Each offering shows its projected application, a neighborhood score, and details about historical neighborhood trends as well as projected ones.

How Do I Sell A Roofstock Investment?

All you have to do to sell a Roofstock investment is submit a listing.

Once the sale has closed, you own the property outright. Rental properties are long-term investments, but if you decide to sell at any time, you can relist it on Roofstock. In doing so, you make the change from an investor to a seller.

Does Roofstock Have A Mobile App?


Unfortunately, there’s no Roofstock app right now. However, the website is mobile-friendly.

On the other hand, you can access the same functions from your smartphone as on your desktop or laptop. You’ll be able to make offers, close transactions, and move transactions forward on any device.

How Much Does Roofstock Charge In Fees?

Standard fees come in at about 6%, while Roofstock halves those fees, or even goes lower.

Another attractive feature of Roofstock is that the fees are lower than those you’d typically be asked to pay by a traditional real estate agent.

Typically, you’ll pay a marketplace fee of 2.5% to Roofstock. In other words, that’s 2.5% of the final sale price.

This makes Roofstock a cost-effective option. And that fee is much lower than what a realtor would charge.

Even better, signing up won’t cost you a cent, and just for extra protection, there’s a 30-day satisfaction guarantee. However, keep in mind that you must provide a credit card number when signing up.

What Is Roofstock One?

Roofstock One allows you to buy shares representing one-tenth of a fully-managed rental home’s equity.

You pay a fee for asset management and receive all of the home’s economic rights, including tax benefits, net rental income, and appreciation. You get all this without the responsibility of having to act as a landlord.

When 6 months of ownership have elapsed, investors are offered liquidity options including share redemption or conversion to traditional property ownership.


Roofstock uses cutting-edge technology to offer a user-friendly platform that simplifies the complex process of purchasing real estate.

It gives even beginner investors convenient access to local deals they may never see otherwise.


Roofstock is a great choice for anyone looking for a simple way to dip their toes in the water of real estate investment. It’s especially good for first-time real estate investors who want to become a homeowner.

It allows investors to seek, research, and purchase already tenanted single-family rental properties from anywhere efficiently and transparently.


Hopefully, this Roofstock review will give you the details you need to determine whether or not this is the right platform for you.

Ready to get started?

Head over to Roofstock to find your first property!

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