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Okay, so real estate investing used to be something only wealthy individuals or institutional investors could access. You needed hundreds of thousands of dollars for a down payment. Months of mortgage paperwork. The willingness to become a landlord with all its headaches. That world has fundamentally shifted.
Real estate crowdfunding invites everyday investors to participate in property investments through online platforms where multiple people pool their money together. Think of it like this: instead of needing $250,000 to buy a rental property on your own, you can invest $500 or $5,000 alongside hundreds of other investors to collectively fund residential buildings, commercial developments, or even hotels and shopping centers.
According to Data Horizon Research (2025), the global real estate crowdfunding market reached $15.2 billion in 2024 and is projected to expand to $370.8 billion by 2033, growing at a CAGR of 44.9% (accessed October 29, 2025). That's not just growth. That's a complete transformation of how people invest in real estate.
This growth has been driven by what industry analysts call PropTech platforms. These are essentially technology companies that have revolutionized real estate investing through mobile-first solutions and automated portfolio management. The Business Research Company (2025) reports the market expanded from $20.31 billion in 2024 to $29.16 billion in 2025, representing a 43.5% increase in just one year (accessed October 29, 2025).
Let me simplify this for you. When you invest through a crowdfunding platform, you're essentially buying a share of a property or a real estate investment trust (REIT) that owns multiple properties.
First, you sign up on a crowdfunding platform and complete your investor profile. Some platforms require verification that you're an accredited investor. The Securities and Exchange Commission defines this as someone with annual income over $200,000 or net worth over $1 million, excluding your primary residence. Other platforms welcome non-accredited investors with open arms.
Once you're verified, you can browse available investment opportunities. These might include ground-up development projects. Existing apartment buildings generating rental income. Office spaces, retail centers, or even specialized properties like data centers or assisted living facilities.
After you select an investment, you contribute your capital. According to Research Nester (2025), the real estate crowdfunding market is estimated at $22.1 billion in 2025, up from $16.24 billion in 2024 (accessed October 29, 2025). This rapid growth means more opportunities are becoming available across different property types and investment structures.
Your money gets pooled with other investors' contributions. The platform or sponsor managing the investment handles all the day-to-day operations. Tenant relationships. Maintenance issues. Property management responsibilities.
Returns come in two primary forms. For equity investments, you typically recieve quarterly cash distributions from rental income, plus a larger payout when the property eventually sells. For debt investments, you receive regular interest payments, much like a bank earns interest on loans it makes. At AmeriSave, we help customers understand all their real estate financing options, whether they're pursuing traditional mortgages or exploring alternative investment strategies like crowdfunding.
What this means for you is that returns can vary significantly based on the investment structure and holding period. Let me walk you through a realistic example using actual market data.
Say you invest $10,000 in an equity crowdfunding deal for a multifamily apartment building. The investment has a 5-year holding period. Projects a 7% annual cash distribution from rental income. Plus anticipated property appreciation.
Here's how the numbers might work:
Year 1-5 Cash Distributions:
Property Sale (Year 5):
Total Return Calculation:
According to Gatsby Investment (2025), some platforms like Gatsby have provided average annualized returns of 22.3% from 2016 through 2024, though past performence doesn't guarantee future results (accessed October 29, 2025). Meanwhile, Fundrise reported (2025) average annual returns of 6.87% for advisory client accounts from 2018 through 2024, which is comparable to publicly traded REITs that averaged 6.96% over the same period (accessed October 29, 2025).
The textbook answer is that crowdfunding returns should compensate you for illiquidity and risk. But really, each platform and deal has its own risk-return profile that requires careful evaluation.
Traditional real estate acquisition involves signing up for a mortgage from a lender. Covering a down payment (typically 20-25% for investment properties). Committing to 15-30 years of loan repayments. You're responsible for property upkeep, maintenance, utilities, insurance, property taxes, and tenant management. It's a hands-on investment. Requires significant capital. Ongoing attention.
Real estate crowdfunding eliminates most of these requirements. You don't need mortgage approval. Don't handle property management. Can start with as little as $10 on platforms like Fundrise. The platform or sponsor manages everything while you receive quarterly updates and distributions.
Here's a practical comparison. If you wanted to buy a $400,000 rental property traditionally, you'd need:
Plus monthly obligations:
With crowdfunding, you invest $5,000 or $10,000. Receive quarterly distributions. Let professionals handle everything else. The tradeoff is less control and typically lower overall returns than sucessfully managing your own rental property. But significantly less work. Less capital requirement.
According to Custom Market Insights (2025), the residential segment dominates the real estate crowdfunding market due to favorable market conditions, growing investor interest, and technological developments (accessed October 29, 2025). This means more opportunities for everyday investors to participate in property types that were previously difficult to access.
The Securities and Exchange Commission establishes who qualifies as an accredited investor. To meet this threshold, you must have either:
If you don't meet these requirements, you're classified as a non-accredited investor. This doesn't mean you're locked out of crowdfunding. Many platforms welcome non-accredited investors. However, some premium opportunities and platforms remain restricted to accredited investors only.
According to Data Horizon Research (2025), there has been a 300% increase in first-time real estate investors under age 35 between 2022 and 2024, driven by lower capital requirements and accessible mobile platforms (accessed October 29, 2025). This demographic shift shows crowdfunding is opening doors for younger investors who want exposure to real estate without massive down payments.
Platforms like Fundrise and RealtyMogul offer opportunities for non-accredited investors. CrowdStreet and EquityMultiple cater exclusively to accredited investors. The minimum investment amounts typically correlate with investor requirements. Platforms open to everyone tend to have lower minimums ($10-$1,000). Accredited-only platforms often require $5,000-$25,000 to start.
Choosing the right platform requires understanding what each offers and how their structure aligns with your goals. Let me walk you through the major players with current data.
Fundrise targets non-accredited investors with incredibly low barriers to entry. The platform requires just $10 for standard accounts or $1,000 for retirement accounts. They charge a 0.15% advisory fee plus a 0.85% flat managment fee. According to Gatsby Investment (2025), Fundrise distributed over $431 million to investors through early 2025 (accessed October 29, 2025). Their focus on long-term investments means your capital could be committed for several years before seeing substantial returns.
RealtyMogul serves both accredited and non-accredited investors with a $5,000 minimum for their two REIT funds. They charge management fees that vary by investment. Some real estate sponsors add acquisition or finance fees. The platform has pooled over $1.2 billion into 40,000 investments nationwide. Offers 1031 exchanges for accredited investors to defer capital gains taxes.
CrowdStreet exclusively serves accredited investors. Maintains rigorous vetting standards. Only 5% of deals they review make it onto their platform. They've raised over $4.4 billion accross more than 800 real estate projects. The minimum investment typically starts at $25,000 for most opportunities, though this varies by specific deal. There are no platform membership fees. Some sponsors may charge access fees.
Yieldstreet offers a wide selection of alternative investments beyond real estate, including venture capital, art, and cryptocurrency. Non-accredited investors can access the Yieldstreet Alternative Income Fund. Full platform access requires accredited status. The minimum investment is $10,000, with fees ranging from 1-4% annually. They've returned over $3.3 billion to members. Offer shorter investment opportunities starting at just 6 months for those who need more liquidity flexibility.
EquityMultiple focuses on accredited investors only with a $5,000 minimum investment for many properties. They charge fees that typically run around 0.5%. Plus an annual administrative expense fee of $30-$70. The platform has generated over $478 million for more than 59,000 investors nationwide. Specializes in vetted privately managed commercial holdings including office spaces, assisted living facilities, hotels, and data centers.
At AmeriSave, we believe in helping people understand all their options for building wealth through real estate. Whether you're pursuing a traditional mortgage for a home purchase or exploring crowdfunding for investment diversification, making informed decisions starts with understanding how different approaches work and what they cost.
According to Data Horizon Research (2025), millennials and Gen-Z investors show a growing preference for alternative investment vehicles that offer both portfolio diversification and passive income streams through rental yields and property appreciation (accessed October 29, 2025). This shift makes sense when you consider what traditional real estate investing demands.
Younger investors often face several barriers with conventional property purchases. Student loan debt reduces their borrowing capacity. Limited savings for down payments. Mobility preferences that make homeownership less attractive. Geographic constraints in high-cost markets. Crowdfunding adresses all of these issues.
The rise of tokenization platforms has enabled what industry experts call the fractionalization of premium commercial properties. You can now own shares in high-value assets in prime locations with investments starting as low as $100. This democratization of access means a 28-year-old professional in Louisville (where I'm based) can invest in a Manhattan office building or a Los Angeles apartment complex without relocating or committing six figures of capital.
According to Polaris Market Research (2025), the global Real Estate Crowdfunding Market was valued at $10.50 billion in 2024 and is projected to grow at a CAGR of 12.8% from 2025 to 2034, reaching $35.21 billion by 2034 (accessed October 29, 2025). Changes to SEC regulations have allowed both accredited and non-accredited investors to participate in crowdfunding deals through online platforms. Provides flexibility that simply didn't exist a decade ago.
The human side of this is that younger investors value transparency and control. Crowdfunding platforms provide detailed project information. Regular performance updates. Clear fee structures. These resonate with investors who grew up with technology and expect immediate access to information.
Let's be real for a second. While crowdfunding opens doors, it's not without significant risks that every investor must understand before committing money.
Illiquidity Risk tops the list. According to Benzinga (2025), real estate is an illiquid investment where investors can't simply sell their shares when they need cash like they can with stocks (accessed October 29, 2025). Money invested in crowdfunding will be tied up until the sponsor sells or refinances the property. Most deals have terms between 5 and 10 years. If you have an emergency and need that $10,000 you invested, you're likely out of luck.
Platform Risk presents another concern. The real estate crowdfunding industry is relatively young. Most platforms have operated for less than 15 years. How these companies will perform during severe economic downturns remains largely untested. Some platforms have closed or merged, leaving investors uncertain about their holdings.
Market Volatility Risk affects property values and project viability. According to Custom Market Insights (2025), investment in real estate can be impacted by market volatility due to shifting consumer confidence, economic downturns, and rising interest rates (accessed October 29, 2025). Property price fluctuations can cause project cancellations or delays. Hampers returns.
Lack of Control means you're entirely dependent on the sponsor's decisions. If management makes poor choices about tenant selection, maintenance timing, or sale timing, your returns suffer without any ability to intervene.
Regulatory Complexity varies across jurisdictions. According to Data Horizon Research (2025), varying securities laws across jurisdictions create compliance burdens for platforms operating in multiple markets, which can limit scalability and increase operational costs that ultimately affect investor returns (accessed October 29, 2025).
Due Diligence Requirements fall on you as the investor. Each platform vets deals differently. You need to evaluate the sponsor's track record. The property's fundamentals. Local market conditions. Projected return assumptions. This isn't a passive investment from a decision-making perspective, even though it's passive from a management perspective.
Something I find particularly interesting from my MSW studies is how social responsibility factors are increasingly influencing investment decisions. We're seeing this play out in real estate crowdfunding through ESG integration.
According to Data Horizon Research (2025), platforms offering ESG-screened real estate investments have reported 40% higher investor engagement rates (accessed October 29, 2025). This means investments in green building projects and energy-efficient renovations are seeing particulary strong demand from sustainability-conscious investors.
ESG criteria evaluate investments across three dimensions. Environmental factors include energy efficiency, water conservation, sustainable materials, and carbon footprint reduction. Social factors cover community impact, affordable housing components, accessibility features, and tenant wellbeing. Governance factors assess management transparency, ethical business practices, and stakeholder accountability.
Platforms are responding by highlighting projects that meet specific ESG standards. You might see opportunities to invest in LEED-certified buildings. Solar-powered developments. Properties with green roofs or rainwater harvesting systems. Renovations that dramatically improve energy efficiency.
From a human behavior perspective, which is where my social work background comes in, this shift reflects broader generational values. Younger investors particularly want their money to align with their values, not just generate returns. The fact that ESG-screened investments show higher engagement suggests investors are willing to accept potentially slightly lower returns for investments that match their environmental and social priorities.
According to Congruence Market Insights (2025), the integration of blockchain technology with crowdfunding platforms has enhanced transparency, security, and efficiency in real estate transactions (accessed October 29, 2025). Let me explain what this actually means for everyday investors.
Blockchain creates a decentralized digital ledger that records every transaction permanently and transparently. When applied to real estate crowdfunding, this technology enables several powerful capabilities.
First, it allows for true tokenization of real estate assets. Property ownership is divided into digital tokens that can be bought, sold, and traded more easily than traditional ownership structures.
Second, blockchain dramatically reduces transaction costs by eliminating multiple intermediaries. Traditional real estate transactions involve title companies, escrow agents, attorneys, and various other parties. Each takes fees. Blockchain can automate many of these functions through smart contracts that execute automatically when conditions are met.
Third, it creates unprecedented transparency. Every investor can see the complete transaction history. Ownership structure. Property performance data in real-time. This addresses one of the major concerns with private REITs, which historically have had limited disclosure requirements.
According to Custom Market Insights (2025), the incorporation of blockchain technology offers a decentralized ledger that improves security in real estate crowdfunding platforms (accessed October 29, 2025). This enhanced security matters tremendously when you're investing your hard-earned money online.
The practical impact is that tokenization makes real estate more liquid by creating potential secondary markets where investors can sell their tokens before the underlying property sells. While these secondary markets are still developing and not available on all platforms, they represent a significant improvement over traditional private real estate investments where your capital is completely locked up.
According to Data Horizon Research (2025), cross-border investment opportunities have expanded significantly, with platforms now offering international property portfolios that provide geographical diversification and exposure to multiple real estate markets (accessed October 29, 2025).
This global access represents a fundamental shift in how everyday investors can build diversified portfolios. Previously, investing in international real estate required either physically traveling to evaluate properties, working with unfamiliar legal systems, or accepting enormous minimum investments through institutional vehicles.
Now, crowdfunding platforms allow a Kentucky-based investor like me to put $5,000 into a residential development in Spain. A commercial project in Estonia. A hospitality property in Portugal. This geographical diversification helps mitigate risk because different real estate markets don't move in perfect correlation. When the U.S. market faces challenges, European markets might be thriving. Vice versa.
The standardization of due diligence processes across borders has facilitated this expansion. Platforms have developed frameworks for evaluating international opportunities that account for local regulations. Currency risks. Tax implications. Market dynamics. They're essentially doing the heavy lifting to make international investing accessible.
According to Walliance (2025), France remains the leading country in Europe for real estate crowdfunding capital raised at €1.13 billion, followed by the United Kingdom at €0.59 billion and Spain at €0.45 billion through early 2025 (accessed October 29, 2025). This shows meaningful investment activity across multiple markets.
The caveat is that international investing introduces currency risk and potentially different tax treatment. If you invest in a European property denominated in Euros, fluctuations in the Euro-to-Dollar exchange rate can significantly impact your returns. You also need to understand how international investment income is taxed. Whether any tax treaties apply to avoid double taxation.
So you're ready to explore this investment option. Here's what you actually need to do, not just what sounds good in theory.
Calculate what you can safely afford to invest and not access for 5-10 years. This money should be completely separate from your emergency fund. Short-term savings goals. Funds you might need for unexpected expenses. Think about your overall asset allocation. Most financial advisors suggest limiting alternative investments like crowdfunding to 5-15% of your total investment portfolio.
Calculate your income and net worth to understand if you qualify as an accredited investor. Remember, net worth excludes your primary residence. If you're accredited, you'll have access to more platforms and opportunities. Non-accredited status doesn't exclude you from the market.
Compare the major platforms based on minimum investments, fee structures, investment types offered, historical performance, and investor reviews. Pay attention to holding periods. Redemption policies. Whether they offer secondary market access. At AmeriSave, we encourage people to do thorough research before making any significant financial commitment, whether it's a mortgage or an investment decision.
Real estate crowdfunding can generate various types of income including interest, dividends, and capital gains. Each has different tax treatments. Strongly consider meeting with a tax professional who understands crowdfunding investments before committing capital. Some platforms offer IRA investment options that can provide tax advantages.
Your first investment should be relatively modest while you learn how the process works. How distributions are handled. How platform communication flows. You can always increase your investment amounts as you gain experience and confidence.
Don't put all your crowdfunding capital into a single deal or property type. Spread investments across multiple projects. Property types. Geographic regions. Potentially even platforms. This diversification reduces the impact if any single investment underperforms.
Set up a system to track your investments. Distributions received. Tax documentation. Most platforms provide annual tax forms. Maintaining your own records ensures accuracy. Helps with tax planning.
Real estate crowdfunding has genuinely transformed how everyday investors can access property investments that were previously exclusive to the wealthy and institutional investors. The global market growth from $15.2 billion in 2024 to a projected $370.8 billion by 2033 demonstrates this isn't a passing trend but rather a fundamental shift in real estate investing.
For the right investor, crowdfunding offers compelling benefits including low capital requirements, professional management, portfolio diversification, and passive income potential. The ability to invest $500 or $5,000 instead of $100,000 opens real estate to a much broader audience, particularly younger investors building wealth.
However, crowdfunding is not a replacement for traditional homeownership or a substitute for comprehensive financial planning. The illiquidity, platform risks, and market volatility make this an appropriate strategy only for capital you genuinely do not need for 5-10 years. Success requires thorough research, diversification across multiple investments and platforms, realistic return expectations, and honest assessment of your financial situation and goals.
Whether you're exploring crowdfunding for the first time or considering how it fits alongside other real estate strategies, the key is making informed decisions based on facts rather than hype. The data shows crowdfunding can generate attractive returns, but like all investments, it carries risks that must be carefully evaluated and managed.
Remember, this is just one strategy for building wealth through real estate. At AmeriSave, we help people understand all their financing and investment options so they can make choices that align with their personal circumstances and long-term goals.
Benzinga. (2025). Real estate crowdfunding returns. Retrieved October 29, 2025, from https://www.benzinga.com/money/real-estate-crowdfunding-returns
Congruence Market Insights. (2025). Real estate crowdfunding market. Retrieved October 29, 2025, from https://www.congruencemarketinsights.com/report/real-estate-crowdfunding-market
Custom Market Insights. (2025). Real estate crowdfunding investment market. Retrieved October 29, 2025, from https://www.custommarketinsights.com/report/real-estate-crowdfunding-investment-market/
Data Horizon Research. (2025). Real estate crowdfunding market. Retrieved October 29, 2025, from https://datahorizzonresearch.com/real-estate-crowdfunding-market-2757
Gatsby Investment. (2025). Top real estate crowdfunding platforms. Retrieved October 29, 2025, from https://www.gatsbyinvestment.com/education-center/top-real-estate-crowdfunding-platforms
Polaris Market Research. (2025). Real estate crowdfunding market. Retrieved October 29, 2025, from https://www.polarismarketresearch.com/industry-analysis/real-estate-crowdfunding-market
Research Nester. (2025). Real estate crowdfunding market. Retrieved October 29, 2025, from https://www.researchnester.com/reports/real-estate-crowdfunding-market/2874
The Business Research Company. (2025). Real estate crowdfunding market analysis: Key trends, share, growth drivers, and forecast 2025-2034. EINPresswire. Retrieved October 29, 2025, from https://www.einpresswire.com/article/820985120/real-estate-crowdfunding-market-analysis-key-trends-share-growth-drivers-and-forecast-2025-2034
Walliance. (2025). Crowdfunding report. Retrieved October 29, 2025, from https://crowdfundingreport.walliance.eu/
The choice depends on your risk tolerance and return expectations. Equity-based crowdfunding means you own a share of the property itself, participating in both rental income and appreciation when it sells. This typically offers higher potential returns, often 10-20% or more in IRR, but comes with more risk since you're directly exposed to property value fluctuations. You might receive quarterly distributions, but the bulk of profit usually comes when the property sells in 5-10 years. Debt-based crowdfunding means you're the lender, providing financing in exchange for regular interest payments. This typically offers 6-12% annually with more predictability since you're higher in the capital structure. If the property performs poorly, debt investors get paid before equity investors. You receive consistent interest payments throughout the loan term. Debt investments work well for conservative investors who prioritize capital preservation and steady cash flow over maximum upside. Consider starting with debt investments to gain experience before moving to higher-risk equity opportunities.
Your investment doesn't necessarily disappear if the platform closes, but the situation becomes complicated. Most legitimate platforms structure investments as special purpose vehicles or limited liability companies that hold property ownership separately from the platform's operating business. This means the property and your ownership stake exist independently of the platform. However, losing the platform that manages communications and distributions creates serious logistical challenges. When a platform closes, several scenarios might unfold. In the best case, another platform acquires the failing company and assumes management of existing investments. Alternatively, the platform might find a third-party property manager to take over, though this often increases fees and reduces communication quality. In worse scenarios, investors might need to work collectively to find new management, potentially requiring additional capital contributions and creating lengthy delays. Before investing with any platform, research their contingency plans by reviewing offering documents carefully. Check their financial stability by looking at how long they've operated and whether they've achieved profitability. Consider diversifying across multiple platforms rather than concentrating all your capital with a single company.
The short answer is that most crowdfunding investments lack liquidity and you should plan to hold until project completion, but some limited options for early exit do exist. According to Benzinga, real estate remains an illiquid investment where investors cannot simply sell shares when they need cash like stocks. Money invested typically stays committed until the sponsor sells or refinances the property, with most deals having terms between 5-10 years. However, the situation is gradually improving. Some platforms have begun developing secondary markets where investors can attempt to sell positions to other investors before completion. Platforms like Fundrise and RealtyMogul have introduced limited redemption programs that allow investors to request withdrawals quarterly, though these have restrictions including caps on total redemption amounts, potential waiting periods, and fees. Success in selling through secondary markets depends on finding willing buyers, which becomes more difficult during economic downturns. Attempting to sell early typically results in accepting a discount to your investment value, sometimes substantial, as buyers demand compensation. Some platforms prohibit transfers entirely. This is why financial advisors emphasize only investing capital you genuinely do not need for the entire holding period.
Crowdfunding returns fall somewhere between publicly traded REITs and direct property ownership, but with unique characteristics. According to Gatsby Investment, Fundrise reported average annual returns of 6.87% for advisory accounts from 2018 through 2024, slightly underperforming publicly traded REITs at 6.96%, though Fundrise returns showed less volatility. However, other platforms like Gatsby provided average annualized returns of 22.3% from inception through 2024, demonstrating wide variation across platforms. Publicly traded REITs offer complete liquidity since you can sell shares instantly during market hours, but they trade more like stocks and can experience significant price volatility. Crowdfunding typically provides higher potential returns than publicly traded REITs because you're accessing private market deals, but you sacrifice all liquidity. Direct rental property ownership through traditional purchase with a mortgage can generate exceptional returns if you buy well and manage effectively, but requires far more capital upfront, significant ongoing time commitment, and exposes you to concentrated risk in a single property. Each approach serves different investor goals and circumstances, making the best choice highly personal based on your capital availability, time commitment, risk tolerance, and liquidity needs.
Successful crowdfunding investing requires thorough due diligence on each opportunity. Start with questions about the sponsor's track record including how many similar projects they've completed successfully, what their historical returns have been across all projects not just their best performers, and how they handled challenges when projects encountered problems. Ask why this specific deal exists on a crowdfunding platform rather than being funded through traditional institutional channels, which might indicate challenges securing conventional financing. Examine the deal structure by asking what happens if the project needs additional capital beyond initial projections, who gets paid first if the property sells for less than expected, what control investors have over major decisions, and how often you'll receive updates. Understand the exit strategy including how the sponsor determined the projected sale price and timeline, what comparable property sales support those projections, what happens if the property doesn't sell within the expected timeframe, and what costs would be deducted from sale proceeds. Evaluate market and property fundamentals by asking what makes this specific property attractive, how current rental rates compare to market averages, how the property performed during the last economic downturn, and how the investment would perform under various scenarios. Thorough questioning helps separate well-structured opportunities from deals that carry excessive risk.
Investing through retirement accounts like traditional or Roth IRAs can provide significant tax advantages but requires careful consideration. Several major platforms including Fundrise and RealtyMogul now offer self-directed IRA options. The primary advantage is tax-deferred or tax-free growth depending on your account type. In a traditional IRA, your investment grows tax-deferred and you pay taxes on withdrawals in retirement. A Roth IRA provides tax-free growth and withdrawals if you meet requirements. This tax treatment can significantly boost long-term returns. However, investing through retirement accounts introduces additional complexity and restrictions. Self-directed IRAs require working with specialized custodians who charge setup and annual maintenance fees ranging from one hundred to several hundred dollars yearly. The illiquidity of crowdfunding becomes even more problematic in retirement accounts because you cannot easily access funds for required minimum distributions when you reach age 73 or for unexpected needs before retirement. Most importantly, retirement accounts cannot use debt financing to purchase properties, limiting you to equity investments only. You also must avoid prohibited transactions including using the property personally, which could disqualify your entire IRA and trigger massive tax penalties. The decision depends on your age, retirement timeline, and overall retirement account balance. If you're decades away from retirement with substantial savings, dedicating a small percentage of your IRA to crowdfunding can make sense. Most advisors suggest limiting alternative investments to no more than 5-10% of total retirement assets.
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