Ark7 Review 2026: Monthly Rental Income From $20
Ark7 lets you buy shares of rental homes for as little as $20 and pays you monthly dividends from rent. Plus they have a secondary market where you can sell your shares. Here's our full breakdown of whether it's worth it.
Ark7 stands out for two reasons: the lowest minimum investment in fractional real estate ($20 per share) and monthly dividend payments on the 3rd of every month. While the fees are higher than Fundrise (8-15% property management), you get direct ownership in individual rental properties with the option to sell on their secondary market after a 12-month hold. They're growing fast with 220,000+ investors and properties across 10+ states. Good for getting your feet wet, but watch the fees on smaller investments.
Start Investing With $20 →What Is Ark7?
Ark7 is a fractional real estate investing platform that lets you buy shares of rental properties — single-family homes, multifamily units, and even some Airbnb rentals. Founded in 2018 by former Google engineers, the platform uses AI and local market expertise to source properties in high-yield markets across the U.S.
The big differentiator is monthly dividends. While most platforms pay quarterly, Ark7 pays on the 3rd of every month based on rental income from the previous month. They also have a secondary market (powered by PPEX ATS) where you can sell your shares to other investors after a 12-month holding period.
Each property is held in its own LLC and regulated by the SEC under Regulation A+. As of December 2025, the platform reports a 94.81% portfolio occupancy rate and has paid out over $2.5 million in total dividends.
How Ark7 Works
Create Your Free Account
Sign up with your name, email, and bank account. No accreditation required — open to all U.S. investors 18+. The platform and mobile app are both free to use.
Browse & Select Properties
Explore available properties with detailed financials — expected rent, property value, neighborhood data, and projected returns. New offerings start at $100/share; secondary market shares start at $20.
Buy Shares
Purchase shares in the properties you like. Each property is its own LLC, and you own fractional shares of that LLC. Your investment is proportional to the number of shares you hold.
Earn Monthly Dividends
On the 3rd of each month, Ark7 distributes rental income to shareholders. Top-performing areas have delivered 6-7.5% annualized returns from dividends alone, plus potential property appreciation.
Fees Breakdown
Ark7's fees are higher than fund-based platforms like Fundrise but comparable to other fractional property platforms:
| Fee Type | Amount | Details |
|---|---|---|
| Sourcing Fee | 3% (one-time) | Covers property acquisition and listing costs |
| Property Management | 8-15% of rent | Monthly fee for tenant management, maintenance, etc. |
| Trading Fee | $0 | No commission to buy or sell on secondary market |
| IRA Custodial Fee | $100/property/year | Capped at $400/year. Waived on $100K+ balances |
The property management fee (8-15%) is the main cost to watch. On smaller investments, this can eat into returns significantly. However, there are no ongoing AUM fees like many competitors charge, and trading on the secondary market is commission-free.
Returns & Performance
Ark7 reports an average annualized dividend return of approximately 4-6% from monthly rental income. Top-performing markets like Urbana (7.65%), Dallas-Fort Worth (6.22%), and Dallas (6.05%) have delivered above-average yields as of late 2025.
Beyond dividends, investors can potentially earn from property appreciation when shares are sold on the secondary market or when the property is eventually sold. Combined dividend and appreciation returns have historically ranged from 6-12% annually, though results vary widely by property.
Total dividends paid across the platform have exceeded $2.5 million, with monthly payouts growing steadily as the platform adds more properties and investors.
Start Earning Monthly Income
$20 per share. Monthly dividends on the 3rd. 220,000+ investors.
Start Investing With Ark7 →Pros & Cons
What We Like
- $20 minimum — lowest in the industry
- Monthly dividend payments
- Secondary market for liquidity
- No accreditation required
- Each property in its own LLC
- IRA accounts available
- Mobile app rated 4.7/5 on iOS
- Simple 1099 tax reporting
What Could Be Better
- Higher fees (8-15% mgmt) than fund platforms
- 12-month minimum holding period
- Limited property selection at times
- Newer platform, shorter track record
- No guarantee shares sell on secondary market
- IRA custodial fees add up ($100/property)
- Dividend returns can be modest after fees
Our Experience With Ark7
I bought shares in a rental property for $20 just to test it out. Now I get dividend payments every month from the rent. No drama, no maintenance calls, just passive income hitting my account. The app is really clean and well-designed — it's easy to see your portfolio, track dividends, and browse new properties. What I like most is the monthly frequency. There's something motivating about seeing money come in every single month versus waiting three months with other platforms. The dividends aren't huge on a small investment, but it actually works. I've since invested in a few more properties across different states to diversify.
Who Should Use Ark7?
Ark7 is ideal for: Investors who want the absolute lowest barrier to entry. People who prefer monthly income over quarterly. Those who value having a secondary market exit option. Mobile-first investors who want a great app experience.
Ark7 might not be for you if: You're fee-sensitive (Fundrise's 1% beats Ark7's 8-15% management fee). You want a longer track record. You prefer diversified funds over individual property picks. You need to invest large amounts efficiently.
Frequently Asked Questions
Compare With Other Platforms
Start With Just $20
Monthly dividends. Secondary market. No accreditation needed.
Open an Ark7 Account →