Choosing between real estate investment platforms requires understanding differences in investment structure, accessibility, and track record. mogul and Willow Wealth (formerly Yieldstreet) take different approaches to alternative investments. mogul offers fractional real estate investing in single-family rentals through property-specific LLCs, blockchain-supported ownership records, and underwriting led by former Goldman Sachs real estate professionals. Willow Wealth provides multi-asset private-market investments spanning real estate, private credit, private equity, art, and legal finance. These distinctions help explain each platform's investment model.
The comparison covers investment options, fees, distribution frequency, ownership records, and investor eligibility, all of which affect how members participate in these platforms.
Disclaimer: The information provided in this guide is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult with a licensed professional before making any financial or investment decisions.
Key Takeaways
mogul's Goldman Sachs alumni apply institutional-grade underwriting, with less than 1% of reviewed properties passing its selection process.
mogul generally distributes available net rental income monthly once properties are operational; Willow Wealth's payment schedules depend on the investment product.
mogul provides up to $10,000 in first-year loss coverage for qualifying new-member investments made within the first seven days, subject to promotion terms.
mogul uses blockchain technology on Avalanche to support verifiable records alongside its LLC legal documentation.
mogul welcomes eligible non-accredited investors, while Willow Wealth primarily serves accredited investors in private-market offerings.
Willow Wealth adopted its current name in November 2025 after operating as Yieldstreet. Its platform encompasses individual investments, evergreen funds, and managed portfolios. mogul specializes in residential properties that members can select individually, combining professional property management with property-level underwriting and reporting. Both platforms use digital onboarding, but their investments represent different types of economic interests: mogul's LLC membership interests correspond to individual homes, while Willow Wealth offers various fund and product structures.
Understanding Each Platform's Core Positioning
Willow Wealth is a multi-asset alternative investment platform providing real estate, private credit, private equity, art, and legal finance exposure through funds, managed portfolios, and individual offerings. Founded in 2015 as Yieldstreet, it rebranded in November 2025 and has more than 500,000 members.
mogul focuses on fractional ownership of residential rental properties. Founded by Goldman Sachs real estate alumni with over $10 billion in collective institutional investing experience, mogul offers short-term, mid-term, and long-term rental strategies. Members acquire interests in property-specific LLCs that hold identifiable homes rather than purchasing shares in a pooled real estate fund. The individual-property approach gives members access to a home's address, projected rental operations, financing assumptions, and investment-specific performance information.
The fundamental distinction: Willow Wealth provides private-market asset classes through funds, portfolios, and individual offerings, while mogul provides property-specific LLC ownership interests in residential rentals.
Investment Options Reflect Different Strategic Approaches
Willow Wealth's investment portfolio includes:
Multi-asset funds covering real estate, private credit, and private equity
Managed portfolios through Willow 360
Individual private-market investment offerings
Art and legal finance opportunities
Access to funds managed by Goldman Sachs, Carlyle, and StepStone
Eligible investments through self-directed IRAs
These offerings provide exposure to several alternative asset classes through different investment structures. Willow 360 creates managed allocations using underlying private-market funds; individual offerings allow investment in particular strategies. Eligibility, tax forms, and distribution arrangements depend on the selected product.
mogul's investment offerings focus on:
Short-term rentals, including vacation rental properties
Mid-term rentals, including extended stays and workforce housing
Long-term rentals with longer lease arrangements
Property-specific LLC interests with potential depreciation allocations through Schedule K-1
Individual residential properties selected by members
mogul enables members to choose specific properties and review projected rental revenue, returns, and market comparisons before investing. Property-level information may also include acquisition costs, operating expenses, financing assumptions, and base, bear, and bull scenarios. Its free real estate calculator also supports property analysis.
Fees and Investment Costs
The platforms apply different fee structures to their respective investment products. Comparing a one-time fee calculated against a property's purchase price with an annual fee calculated against portfolio assets requires attention to the different fee bases, rather than treating the percentages as interchangeable.
Willow Wealth's pricing structure:
Individual investment minimums typically begin at $5,000, varying by offering
Willow 360 Managed Portfolios have a $25,000 minimum
Willow 360 charges a 1.25% annual advisory fee plus approximately 0.175% in expenses
Fees for individual offerings and third-party funds vary by product
Certain funds involve underlying fund-manager expenses
mogul's pricing structure:
Average investment of approximately $10,000 per property
One-Time Platform Fee: mogul charges a one-time platform fee of up to 5% of the property purchase price, capitalized into the investment
No traditional recurring annual AUM fee on invested equity
Professional property management coordinated through the platform
mogul uses a one-time capitalized platform fee, while Willow Wealth's managed portfolios apply annual advisory fees and other product-specific expenses. The comparison reflects different fee bases and investment structures. Individual private-market products may have investment-level fees in addition to the fees charged by underlying managers. mogul's property operations and rental income are reflected in its property-specific underwriting and distributions.
Target Investors and Eligibility
Willow Wealth primarily serves:
Accredited investors meeting applicable income, net worth, or professional-credential criteria
Investors using offering-specific minimums that typically start at $5,000
Investors seeking exposure to several private-market asset classes
Individuals using managed portfolios or selecting individual offerings
Accredited investor status generally includes income above $200,000 individually or $300,000 jointly in each of the previous two years, or net worth above $1 million excluding a primary residence. Certain professional credentials also qualify under SEC criteria.
mogul serves:
First-time investors entering residential real estate
Existing property owners comparing investment strategies
Accredited and non-accredited investors
Investors interested in blockchain-supported ownership records
Members seeking monthly distributions from available net rental income
mogul welcomes eligible non-accredited investors, enabling property-specific residential investing without the accredited-investor threshold applicable to many Willow Wealth private offerings. Members can evaluate specific homes and select additional properties over time. For example, an investor interested in residential rentals across several U.S. markets can build property portfolios across individual investments.
How the Platforms Report Investment Performance
The platforms publish different types of performance information, reflecting their investment products. A historical net realized IRR for completed investments is not identical to a target IRR for an investment that is still operating, and calculations may cover different groups of assets and time periods.
Willow Wealth's performance reporting:
Reports performance for individual investments and underlying products
Defines a historical net realized IRR for matured investments, excluding certain note programs
Offers product-specific reporting across different asset classes and periods
mogul's performance data:
18.8% historical average annual IRR as of June 1, 2026, compared with a 12%–20% target IRR range as of September 28, 2026
Historical performance and target returns are distinct measures; neither guarantees future outcomes
Monthly distributions of available net rental income once properties are operational
Up to $10,000 in qualifying first-year loss coverage for eligible new-member investments
mogul's focus on single-family rentals provides exposure to rental income and potential property appreciation. Individual outcomes depend on property operations, financing, market conditions, and holding periods. mogul's property-by-property projections include anticipated rental revenue and return assumptions that members can use to understand the financial model behind each opportunity.
Ownership Records and Platform Technology
Willow Wealth's technology:
Web-based investor portal
Mobile app
Willow 360 portfolio allocation and management
Digital reporting for individual investments and managed portfolios
mogul's technology infrastructure:
Avalanche-based blockchain records supporting verification of property-specific LLC interests alongside legal agreements
Fireblocks custody infrastructure
Digital access to property operating information, distributions, and monthly valuation estimates informed by third-party data
Streamlined digital investment execution, with eligible transactions designed to take approximately 30 seconds after required account steps
AI-supported underwriting and property-sourcing workflows, including market evaluation and operational analysis
mogul's blockchain infrastructure also supports its plans for secondary-market share trading. Properties generally follow a 3–10-year investment holding period, with monthly property reporting and distributions of available net rental income during operations. Blockchain-supported records supplement, rather than replace, the LLC's operating agreement and other documentation establishing investor rights.
Property Selection and Due Diligence
Willow Wealth's investment review:
Uses product- and asset-class-specific due diligence
Includes funds managed by third-party asset managers
Offers multiple investment categories and portfolio structures
mogul's property selection:
Less than 1% of reviewed properties pass the diligence process
Proprietary underwriting incorporating automated valuation models and comparable-market analysis
Institutional real estate expertise from its Goldman Sachs alumni founders
mogul's team co-invests alongside members in property offerings
Analysts evaluate rental income, expenses, and property-level return potential
The underwriting process combines financial modeling, expected rental demand, operating costs, and local market comparisons. mogul's investment property calculator and rental property calculator provide projected rental income and return metrics for U.S. addresses under adjustable assumptions.
Distribution Frequency and Cash Flow
Distribution schedules differ between individual private-market products and residential rental investments.
Willow Wealth distributions:
Payment schedules vary by investment product
Certain offerings provide monthly or quarterly payments
Willow 360 automatically reinvests underlying distributions during the first year, with an option for cash distributions afterward
Other offerings use event-based payment schedules
mogul distributions:
Generally distributes available net rental income monthly after a property becomes operational
Distributes available rental cash according to each member's economic interest and applicable terms
Partnership-taxed LLCs generally provide Schedule K-1 allocations, potentially including depreciation, subject to individual tax limitations
Members participate in applicable property-sale proceeds following the investment holding period
For partnership-taxed investments, Schedule K-1 reports allocated tax items separately from cash distributions. Monthly rental distributions also provide opportunities to deploy available cash across additional properties. For mogul members, the availability and amount of each distribution depend on the cash generated by the particular home and the terms governing that investment.
Backing and Market Credibility
Willow Wealth's background:
Founded in 2015 as Yieldstreet
More than 500,000 members
Offers private-market funds, individual investments, and managed portfolios
Fund relationships with Goldman Sachs, Carlyle, and StepStone
mogul's background:
Founded by former Goldman Sachs real estate professionals
Raised $15.5 million in Series A financing in October 2026, led by Draper Associates, bringing total funding above $23.6 million
Backers include Chris Larsen, co-founder of Ripple, and Rosa Rios, former U.S. Treasurer
Featured in TechCrunch, Forbes, Wired, Yahoo Finance, and Fortune
$110 million in assets on the platform as of June 1, 2026, and 50,000+ users as of September 28, 2026
An 80% repeat-investment rate disclosed in October 2026
The October 13, 2026 Series A announcement details the financing round. The funding supports mogul's continued development of its real estate investing technology and property operations. The company has also expanded its residential property portfolio and its systems for sourcing and underwriting investment opportunities.
How mogul Differs from Willow Wealth
mogul combines property-level real estate selection, professional management, and investor-accessible technology within a residential rental investment model. The distinction is most visible in the ability to select an individual home and examine its projected revenue, expenses, and holding-period assumptions rather than relying exclusively on portfolio-level information.
Key features of mogul's approach:
Property-specific ownership: Members invest in LLCs that hold identifiable rental properties, with property-level underwriting and reporting.
Monthly rental income: Available net rental income is generally distributed monthly once a property is operational, supporting cash flow planning.
First-year protection: Eligible new members receive up to $10,000 in coverage for qualifying losses on investments made within their first seven days, assessed after one year.
One-time fee: A platform fee of up to 5% of the property's purchase price is capitalized into the investment, without a traditional recurring AUM fee on invested equity.
Institutional underwriting: Goldman Sachs real estate alumni oversee a process in which less than 1% of reviewed properties qualify.
Blockchain records: Avalanche integration supports verifiable ownership information and planned secondary-market functionality.
Co-investment: mogul's team co-invests alongside members in individual property offerings.
Investor accessibility: Eligible accredited and non-accredited investors can participate in the platform's property-specific investment model.
Member engagement: mogul reached an 80% repeat-investment rate as of October 2026.
For investors focused on residential real estate, mogul combines property selection, monthly income potential, and detailed underwriting to support building property portfolios.
Explore mogul's free Airbnb calculator or browse available properties on mogul to see its property-level investment analysis.
Disclaimer: The information provided in this guide is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult with a licensed professional before making any financial or investment decisions.
Frequently Asked Questions
What is the difference between mogul's fractional ownership and Willow Wealth's investment structure?
mogul investors hold membership interests in LLCs that own identifiable residential rental properties. Willow Wealth offers individual investments, multi-asset funds, and managed portfolios across private markets. mogul's property-specific approach provides visibility into individual homes and their underwriting.
How does mogul select properties for investment?
Less than 1% of reviewed properties pass mogul's underwriting process. Its analysts use automated valuation models, comparable-market analysis, and property-level financial projections. mogul's team also co-invests alongside members in individual offerings.
Can non-accredited investors use mogul's platform?
Yes. mogul welcomes eligible accredited and non-accredited investors. Its digital platform supports property selection, online investment execution, and blockchain-supported ownership records.
What kind of returns can I expect from investing with mogul?
mogul's historical average annual IRR was 18.8% as of June 1, 2026; its target IRR range was 12%–20% as of September 28, 2026. These figures describe different measures, and neither guarantees future returns. mogul provides property-specific return projections, including anticipated rental income and property appreciation. Individual property outcomes depend on operating performance, financing, and market conditions.
How does mogul address liquidity for fractional property ownership?
mogul generally structures property investments with 3–10-year holding periods, accompanied by monthly reporting and available net rental-income distributions once operational. The platform provides monthly property valuation estimates using third-party data. Its Avalanche infrastructure is designed to support secondary-market share trading, which remains a planned feature.