Roofstock fees in 2026 depend on the property transaction and services involved. Roofstock reports $10 billion in transactions, with services spanning single-family rental acquisitions, property sales, and management. Following its May 2024 merger with Mynd, the company offers services for buying, managing, and selling rental properties, alongside landlord software through Stessa.
Understanding these costs requires separating acquisition expenses, seller commissions, ongoing management charges, and property-level operating expenses. For investors exploring a different ownership structure, fractional real estate investing provides access to professionally managed residential properties through fractional ownership interests.
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
Roofstock's current public acquisition and disposition materials do not establish a universal buyer or seller transaction fee for 2026
Roofstock's individual-property acquisition marketplace is powered by Stessa, while Mynd provides professional property management services
Mynd uses flat monthly management pricing, with published Dallas-Fort Worth rates ranging from $119 to $139 per home depending on portfolio size
Rental property ownership involves expenses including financing, property taxes, insurance, maintenance, vacancies, and eventual selling costs
mogul charges a one-time 5% platform fee based on the property purchase price and capitalized into the initial transaction, without an ongoing rental-income platform fee or traditional annual AUM-based management fee on invested equity
How Much Does Roofstock Charge Buyers in 2026?
Roofstock provides acquisition services for single-family rental properties, including individual homes, scattered-site portfolios, and build-to-rent communities.
Its current acquisition materials identify Stessa as the provider powering its individual-home marketplace, which covers more than 70 markets.
Roofstock's publicly available acquisition pages do not establish a single buyer commission percentage applicable to every transaction in 2026. Although the company historically operated an online marketplace using transaction-based charges, those earlier arrangements do not establish its current pricing.
What Costs Are Associated With Buying a Property?
Purchasing a rental property involves expenses beyond the agreed purchase price.
Common acquisition costs include:
Down payment: Initial equity contributed when purchasing property with mortgage financing
Closing costs: Title services, settlement charges, recording fees, and other transaction expenses
Property inspection: A professional assessment of a property's physical condition
Appraisal: An independent property valuation associated with certain financing arrangements
Loan origination charges: Applicable fees associated with mortgage financing
Initial reserves: Funds allocated for maintenance, vacancies, and other operating expenses
These are standard categories of real estate transaction costs rather than charges imposed uniformly by Roofstock. Actual amounts depend on the property's location, purchase price, financing structure, and transaction terms.
How Much Capital Is Needed to Buy a Rental Property?
The initial capital requirement depends on the purchase price and financing arrangement.
For example, a $200,000 rental property purchased with a 25% down payment would require $50,000 in initial equity before closing expenses and operating reserves. A different down payment percentage would change that requirement.
This illustrates the funding structure of whole-property ownership rather than establishing a standard Roofstock minimum.
Fractional ownership follows a different model. Through mogul's property investment platform, members can access individual residential property offerings through fractional LLC interests without purchasing an entire home independently.
Roofstock Seller Fees and Exit Costs
Roofstock provides disposition services for individual rental properties and larger single-family rental portfolios. Its offerings include individual property sales, portfolio transactions, and blended selling strategies.
The company describes a vetted broker network covering more than 40 markets for its disposition services. However, its current public materials do not establish a universal seller commission percentage applicable to every transaction in 2026.
What Expenses Apply When Selling a Rental Property?
Selling a residential rental property can involve several expenses depending on the agreement and transaction structure.
Common categories include:
Brokerage commissions or applicable transaction service charges
Title and settlement expenses
Property repairs and sale preparation
Applicable financing payoff expenses
Property tax adjustments
Transaction-related legal expenses
Other costs established under the sale agreement
The final amount depends on the property, market, and services involved.
How Do Selling Expenses Affect Property Returns?
Selling expenses influence the net proceeds received when a rental property is sold.
A property's overall financial outcome reflects the sale price, outstanding financing, transaction costs, rental income received during ownership, and expenses incurred throughout the holding period.
For properties held over several years, acquisition and disposition costs contribute to the total economics of ownership alongside ongoing operations.
Roofstock Property Management Fees Through Mynd
Roofstock and Mynd announced their merger in May 2024, combining single-family rental transaction services with professional property management capabilities.
Mynd continues to operate under its existing brand as part of Roofstock, providing leasing, tenant communication, rent collection, maintenance coordination, and financial reporting.
How Much Does Mynd Charge Monthly?
Mynd publishes flat monthly property management fees that vary by location and portfolio size.
For example, its Dallas-Fort Worth property management pricing lists:
One home: $139 per month
Two homes: $129 per home per month
Three to ten homes: $119 per home per month
More than ten homes: Custom pricing
These rates apply to the published Dallas-Fort Worth offering rather than a nationwide pricing schedule.
The same schedule identifies additional charges:
Leasing fee: 50% of one month's rent
Lease renewal fee: 25%, subject to a $399 minimum and $1,000 maximum
Property maintenance and repairs: Applicable costs associated with work performed
These expenses are separate from the base management fee.
What Does Mynd Property Management Include?
Mynd provides services covering routine residential rental operations, including:
Property marketing and leasing
Tenant screening and placement
Lease administration and renewals
Rent collection
Resident communication
Maintenance coordination
Property inspections
Financial reporting
Property owners can also access financial information and property activity through Mynd's management platform. Specific services and charges follow the applicable management agreement.
How Do Management Fees Accumulate Over Time?
Monthly management charges contribute to the total operating expenses of a rental property.
For illustration, consider one Dallas-Fort Worth rental property subject to Mynd's published $139 monthly management rate.
Its base management expenses would be:
Monthly: $139
Annually: $1,668
Over three years: $5,004
Over five years: $8,340
These calculations assume the same monthly rate remains in effect throughout the illustrated period.
They exclude leasing, renewals, maintenance, repairs, insurance, taxes, financing, and other property expenses. The example shows how recurring management charges accumulate within a multi-year property budget.
What Other Services Does Roofstock Provide?
Roofstock's individual-investor ecosystem also includes rental property accounting and tenant screening tools, each with separate functions and pricing arrangements.
Stessa Rental Property Software
Stessa provides software for rental property accounting, financial reporting, and landlord operations.
Its published pricing identifies three subscription tiers:
Essentials: Free
Manage: $15 per month, or the equivalent of $12 per month when billed annually
Pro: $35 per month, or the equivalent of $28 per month when billed annually
Essentials includes unlimited property tracking, automatic bank feeds, basic financial reports, tenant screening tools, online rent collection, and maintenance tracking.
Manage adds Schedule E reporting, more than 60 legal forms and templates, one electronic signature per month, accelerated rent payments, and priority chat support.
Pro provides expanded reporting, advanced transaction tracking, budgeting and pro-forma analysis, unlimited receipt scanning, unlimited portfolios, and additional electronic signature capacity.
These subscription charges are separate from Roofstock property transaction fees and Mynd management charges.
RentPrep Tenant Screening
RentPrep provides tenant screening services for residential rental property applicants, including background checks and information used in application reviews.
Pricing depends on the screening products selected.
Is Roofstock Worth the Fees?
Evaluating Roofstock's costs involves understanding the services being used and their role in rental property ownership.
Its ecosystem combines acquisition and disposition services, professional management through Mynd, and landlord tools through Stessa and RentPrep.
The overall cost depends on the selected services and individual property arrangements. An owner using Stessa for financial tracking has a different expense structure from one using Mynd for full-service rental management.
What Should a Total-Cost Comparison Include?
A rental property cost analysis can incorporate:
Initial equity contributions
Acquisition and closing expenses
Mortgage financing
Property management
Property taxes and insurance
Maintenance and capital expenditures
Vacancy periods
Eventual selling expenses
Rental revenue, changes in property value, and the timing of income and expenses also influence the overall financial outcome.
Roofstock vs. Fractional Real Estate Investing Fees
Whole-property ownership and fractional real estate investing use different ownership structures.
Roofstock's acquisition services support purchasing residential rental properties, while fractional platforms provide access to interests in individual properties or property-owning entities.
The distinction affects initial capital requirements, fee calculations, and how property operations are administered.
Whole-Property Ownership Costs
Purchasing an entire rental property typically involves a down payment or full cash purchase, acquisition expenses, and ongoing ownership costs.
These may include financing, property management, taxes, insurance, maintenance, and eventual selling expenses.
The property owner remains responsible for applicable costs, whether the property is self-managed or professionally managed.
Fractional Ownership Costs
Fractional real estate platforms may use different fee structures depending on their ownership model and services.
Potential charges include:
Upfront acquisition or platform fees
Property setup expenses
Recurring management or administrative fees
Property-level operating costs
Transaction-related expenses
An upfront charge calculated on a property's purchase price is different from an annual fee calculated on invested equity. Comparisons therefore depend on both the stated percentage and the amount to which it applies.
How Do Recurring Fees Affect Long-Term Costs?
Recurring annual charges accumulate over a multi-year holding period.
For example, a hypothetical 1% annual fee applied to a constant $10,000 account value would equal $100 annually, or $500 over five years. A 2% annual fee applied to the same value would equal $200 annually, or $1,000 over five years.
These calculations assume an unchanged fee base and exclude changes in asset value, upfront expenses, and other charges.
They illustrate how recurring fees work rather than representing a verified fee schedule or guaranteed savings associated with a particular platform.
What Happened to Roofstock One?
Roofstock previously offered Roofstock One, an investment product associated with accredited investors.
Its current individual-investor materials emphasize property acquisitions, Mynd management, Stessa software, and RentPrep screening.
Roofstock One is not listed among the company's currently advertised individual-investor services. Its precise closure date is not established by those current service pages.
Additional Costs of Owning Rental Property
Rental property ownership involves expenses beyond acquisition and management charges. These costs affect rental cash flow and overall property economics.
Maintenance and Capital Expenditures
Routine maintenance includes servicing and repairs required to keep a property operational.
Capital expenditures involve larger improvements or replacements, such as roofing, heating and cooling systems, appliances, and structural components. Costs vary according to property age, location, condition, and the work required.
Vacancy and Tenant Turnover
Vacancy affects rental revenue during periods without a paying tenant.
Tenant turnover may also involve cleaning, marketing, repairs, inspections, and leasing expenses. The financial impact depends on local rental demand and vacancy duration.
Property Taxes and Insurance
Property taxes depend on local assessment rules, tax rates, and property valuations.
Insurance expenses depend on coverage, location, building characteristics, and policy terms. Both contribute to recurring operating expenses.
Financing Costs
Mortgage financing introduces interest and applicable lender-related charges.
Loan amount, interest rate, amortization, and repayment terms influence cash flow and equity requirements.
Tax Considerations for Rental Property Ownership
Rental property ownership may involve tax treatment related to depreciation, financing, operating expenses, and property sales.
Common considerations include:
Depreciation: Eligible residential rental property costs may be recovered through applicable depreciation rules
Mortgage interest: Qualifying rental property financing expenses may be deductible
Operating expenses: Eligible repairs, insurance, property taxes, and management fees may be deductible
Capital gains: Property sales may involve taxable gains and depreciation recapture
1031 exchanges: Certain qualifying exchanges of real property held for business or investment purposes may defer recognition of gains under applicable rules
Tax treatment depends on the taxpayer's circumstances, ownership structure, and applicable law. Rules governing direct property ownership and interests in property-owning entities may differ.
For additional educational context, mogul's guide to investment property tax benefits discusses depreciation, operating expenses, and other tax considerations associated with real estate ownership.
How Fees Affect Rental Property Returns
Rental property performance depends on revenue, expenses, financing, and changes in property value.
Acquisition and management charges form part of the overall calculation rather than independently determining profitability.
Financial Metrics Used in Property Analysis
Relevant measures include:
Gross rental income: Rental revenue before operating expenses
Net operating income: Property revenue after applicable operating expenses, before financing and certain other costs
Cash flow: Income remaining after applicable operating and financing payments
Cash-on-cash return: Annual pretax cash flow relative to invested cash
Internal rate of return: An annualized measure accounting for the timing of investment cash flows
These metrics evaluate different aspects of rental property performance.
The mogul investment property calculator supports analysis of rental income, acquisition expenses, financing, and property-level return assumptions.
The rental property calculator also provides estimates using property information and adjustable financial inputs.
How mogul Approaches Real Estate Investing Fees
mogul is a fractional real estate investment platform founded by former Goldman Sachs real estate professionals with more than $10 billion in combined real estate transaction experience.
The platform offers access to professionally vetted residential properties through an investment club structure. Members acquire fractional ownership interests through property-specific LLCs, while professional teams handle leasing, maintenance, and day-to-day property operations.
mogul's One-Time Platform Fee
mogul charges a one-time 5% platform fee based on the property's purchase price, which is capitalized into the initial transaction.
Its fee structure includes:
One-time 5% platform fee: Calculated using the property's purchase price and capitalized into the initial transaction
No ongoing rental-income platform fee: No recurring platform charge on collected rental income
No traditional annual AUM fee: No recurring annual management fee calculated on invested equity
Property-level operating costs: Management, maintenance, reserves, and other applicable expenses included in each property's financial structure
The platform fee is incorporated into the property's initial capitalization rather than charged annually or deducted from collected rental income.
The mogul investment process covers property acquisition, underwriting, ownership arrangements, and ongoing management.
Professional Property Management
mogul coordinates residential property operations through professional management teams and local operating partners.
Its model includes:
Fractional ownership interests in individual property LLCs
Professionally vetted residential properties
Short-term and mid-term rental strategies
Tenant and lease administration
Property maintenance coordination
Digital portfolio information and reporting
Monthly rental income distributions when sufficient property cash flow is available
This structure allows members to participate in residential real estate ownership without directly managing tenants, maintenance, or daily property operations.
Institutional Underwriting and Property Selection
mogul applies its founders' Goldman Sachs real estate experience to residential property sourcing, acquisitions, and financing.
The company's property selection process evaluates acquisition pricing, rental demand, local market fundamentals, operating expenses, financing, and potential property performance.
Fewer than 1% of properties reviewed pass mogul's diligence process.
As of September 28, 2026, mogul had a target internal rate of return (IRR) range of 12% to 20%.
These figures represent targeted returns rather than guaranteed results. Actual performance depends on each property's financial outcomes.
First-Year Loss Protection
mogul offers first-year loss protection for qualifying new members.
The program provides coverage of up to $10,000 in eligible first-year losses on qualifying investments made during a member's first seven days.
Coverage is subject to the promotion's eligibility requirements and terms.
Property-Level Ownership and Monthly Distributions
mogul members acquire fractional ownership interests in individual residential properties through dedicated LLC structures.
The platform provides access to property-level financial information, operating updates, and investment performance.
Members may receive monthly rental income distributions when a property generates sufficient distributable cash flow after applicable expenses. They also participate in potential property appreciation and proceeds from eventual property sales or other approved transactions.
mogul's approach to real estate ownership combines institutional underwriting, a transparent fee structure, and professionally coordinated residential property operations.
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
How much does Roofstock charge buyers and sellers in 2026?
Roofstock's current official acquisition and disposition materials do not establish a universal buyer or seller commission percentage for 2026. Transaction expenses depend on the property, applicable services, and transaction agreement. Conventional closing and financing costs may also apply.
Can rental property owners avoid professional management fees?
Property owners may manage rental homes directly or use professional management services. Self-management involves leasing, tenant communication, rent collection, and maintenance coordination. Mynd offers flat monthly management charges that vary by location and portfolio size.
Does Roofstock still offer fractional real estate ownership?
Roofstock previously offered Roofstock One, an investment product associated with accredited investors. Its current individual-investor materials emphasize property acquisitions, management, landlord software, and tenant screening. Roofstock One is not included among its currently advertised individual-investor services.
How much capital is needed to purchase property through Roofstock?
The amount depends on the property's price, financing structure, and applicable transaction expenses. A hypothetical $200,000 rental property financed with a 25% down payment would require $50,000 in initial equity before closing costs and reserves. Fractional real estate ownership involves a different capital and ownership structure.
How can investors calculate the total cost of using Roofstock?
A rental property cost calculation can include acquisition expenses, financing, property management, repairs, maintenance, vacancies, property taxes, insurance, and selling expenses. Mynd management charges and Stessa subscriptions depend on the services selected, while overall returns reflect rental income and property performance.