Real Estate Platforms for IRAs, 1031 Exchanges, Income and Early Exits

At a glance

Which real estate platforms support IRAs, 1031 exchanges and monthly income?

Fundrise, Arrived, Crowd Street, EquityMultiple and Groundfloor all state IRA support, while 1031 exchange options sit mostly with DST marketplaces such as Realized 1031. On Relli, IRA investing, distribution schedules and tax forms are set by each sponsor. No platform has every feature, and some features trade against others. A fund with quarterly repurchases sends a 1099, for example, while a single deal usually sends a K-1 and runs to term.

The first table covers accounts, income, tax forms and apps. Platforms are ordered by how many different sponsors or managers had open offerings on each on November 2, 2026, most first. Single-manager platforms come last. Nothing is ranked or scored.

Tax deferral and exits

Which platforms offer 1031 exchange, opportunity zone and resale options?

Platforms that offer 1031 exchange options sell Delaware statutory trust (DST) interests, because a syndication LP interest generally can't take 1031 money. Opportunity zone funds are rarer. Resale options range from scheduled windows to none. The second table shows each, ordered the same way; Realized 1031 lists DSTs from over 45 sponsors.

Retirement accounts

Which real estate platforms accept IRA money?

Most platforms in this comparison allow IRA investing, but the custodian and the rules differ. A self-directed IRA must be held by a custodian that accepts alternative assets, and custodians do not check the deal.

• Fundrise. Traditional and Roth IRAs are held by Inspira Financial. Fundrise pays the custody fee for IRAs that add $3,000 a year or hold $25,000 or more.
• Arrived. It accepts Checkbook IRAs and solo 401(k)s through Rocket Dollar, and sends no 1099-DIV to those accounts.
• Crowd Street. Its FAQ points to an Equity Trust integration and asks you to confirm with your custodian first.
• EquityMultiple and Groundfloor. EquityMultiple accepts several self-directed IRA custodians. Groundfloor sends IRA investors to Forge Trust for tax documents.
• Willow Wealth. Its Form ADV lists an IRA fee of $299 to $399 a year.
• Relli. The IRA buys the interest from the sponsor's partnership or fund, so each sponsor sets its rules. Many accept self-directed IRAs, LLCs and trusts.

Leverage matters inside an IRA. Income and gains from a deal bought with a loan can create unrelated business income tax. A solo 401(k) may qualify for an exception that IRAs can't use. The retirement accounts guide covers custodians, prohibited transactions and Form 990-T.

1031 and opportunity zones

Which platforms offer 1031 exchange options?

The platforms that offer 1031 exchange options are those that sell DST or tenant-in-common interests, such as Realized 1031 and Origin Exchange. A DST qualifies under IRS Revenue Ruling 2004-86. A syndication LP or LLC interest generally does not, because it is an interest in an entity, not real property.

Realized 1031's site says its marketplace "provides access to 30-50 DSTs from over 45" sponsor companies, for accredited investors only. Origin Exchange sells apartment DSTs from $250,000. Relli lists syndications, funds and joint ventures, not DSTs, so its offerings suit money that is not on a 1031 clock.

DSTs cost more to buy into than most offerings. Of 218 DST and tenant-in-common offerings filed on Form D from October 2025 to September 2026, 75.2% reported sales commissions, at a median of 6.0%. Their median minimum was $100,000. The 1031 and DST guide covers the 45 and 180-day deadlines.

Are there platforms for opportunity zone deals?

A few. Origin Investments had one open opportunity zone offering on October 27, 2026, with a $50,000 minimum and a 10-year hold. Fundrise sponsors an accredited-only Opportunity Fund, launched in 2018 under Regulation D, per Rise Companies' June 30, 2026 10-Q. Crowd Street's offerings page listed none on November 2, 2026. The market is small: 48 of 4,172 real estate offerings on Form D had an opportunity zone name, with a $50,000 median minimum. The opportunity zone guide explains the 5-year and 10-year rules.

Income and tax forms

Monthly vs quarterly distributions: which platforms pay monthly?

Arrived says its homes and funds may pay monthly, and EquityMultiple says some investments pay monthly. On Relli, each sponsor sets the schedule in its offering documents. No platform guarantees a distribution. A schedule only says when cash is paid if there is cash to pay.

Monthly does not mean more. A deal that pays $6,000 a year pays the same total in 12 monthly checks or four quarterly ones. Ask what share of past distributions came from operating cash flow, and whether they have ever been paused. The retirement income guide compares income sources.

Which platforms send a K-1, and which send a 1099?

The tax form follows the structure, not the platform. A REIT sends a Form 1099-DIV. A partnership or LLC sends a Schedule K-1, which can lawfully arrive as late as September 15, 2027 for tax year 2026.

• Fundrise and Arrived send 1099-DIVs; Groundfloor sends 1099-INTs for interest.
• EquityMultiple generally sends K-1s for equity and offers a Tax Tracker for their status.
• Origin's FAQ says fund investors get a K-1 and DST investors a "substitute 1099" from the trustee. Its income fund, a private REIT since 2025, sends a 1099.
• On Relli, the sponsor sends a K-1 for a partnership or LLC and a 1099-DIV for a REIT offering.

A K-1 also carries depreciation and losses that a 1099 does not. The K-1 guide explains timing and passive loss rules. This is general information, not tax advice.

Common questions

Which real estate platforms have secondary markets or liquidity options?

Arrived lets you list home shares for resale after a six-month hold, and its funds take capped quarterly redemption requests. Fundrise's funds make quarterly repurchase offers. Neither platform guarantees that every request is filled. EquityMultiple and Relli have no secondary market, and Crowd Street's exits depend on each fund.

Seven checks

How did Relli compare platform features?

Relli asked the same seven questions of every platform. The questions were IRA support, 1031 or DST access, opportunity zone offerings, resale or repurchase options, distribution schedule, tax form and app.

On November 2, 2026, Relli read help-center and FAQ pages from Fundrise, Arrived, EquityMultiple, Groundfloor and Origin, plus the home pages of Crowd Street, EquityMultiple and Realized 1031. Relli also read its own open offerings page. Other figures come from Relli's reviews checked October 20 and 27, 2026. App availability comes from Crowdfunded Wealth, which checked on May 20, 2026.

• No platform paid to be included or reviewed this page.
• Platforms are ordered by how many different sponsors or managers had open offerings on each, most first, not scored or ranked.
• Where a feature could not be verified, the cell says what the page states or the feature is left out.
• Relli is included with the same facts and its limits, because it is one of the options and wrote the page.