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The information on this page was updated on 1 September 2026
Lofty
Lofty is a Miami-based marketplace for fractional real estate investment, where eligible participants can purchase tokenized ownership stakes in US rental properties, receive daily rental income, and sell their positions at any time through a secondary market.
Miami-based fractional real estate marketplace, founded in 2018
Open to eligible participants globally, with no accreditation required
Rental income distributed daily via smart contract, when generated
Secondary market, no lock-up period, subject to market conditions
Token holders retain governance rights over the properties they own
Lofty AI, Inc. is not a registered broker-dealer or investment advisor
Platform Overview
Lofty is a Miami-based marketplace for fractional real estate investment, founded in June 2018 by Jerry Chu, Max Ball, and Mark Keane. The platform allows eligible investors to purchase tokenized ownership stakes in US rental properties with no accreditation requirement. Each property listed on Lofty is held within a dedicated LLC, which is divided into tokens built on the Algorand blockchain. When a participant purchases tokens, they acquire a direct membership interest in that LLC — and with it, a proportional share of the property's rental income (if generated) and any potential future appreciation. The platform currently lists 100+ properties across 40 US markets, spanning single-family homes, multi-family buildings, vacation rentals, and commercial assets. Each listing includes detailed financials, inspection reports, projected rental yield, local market data, and full ownership documentation. Day-to-day property operations are handled by a third-party property manager. The platform has over 40,000 registered participants across 80+ countries, has facilitated more than $100 million in total participation volume, and has distributed over $5.2 million in rental income. It has been referenced in financial and technology media including NBC News, Financial Times, and CNBC. Lofty AI, Inc. is not a registered broker-dealer or investment advisor and does not provide investment advice or recommendations regarding any offering on the platform.
How It Works
Participating through Lofty follows a process that can be completed entirely online. The platform is open to eligible participants without accreditation requirements, and account setup requires identity verification (KYC).
Blockchain Infrastructure
Lofty operates on the Algorand blockchain. Each property on the platform is tokenized as an Algorand Standard Asset (ASA), representing a fractional membership interest in the LLC that holds the underlying property. SMART CONTRACTS Transactions on the platform settle through smart contracts, which hold funds in escrow and release them once both sides of a trade confirm their conditions. This removes the need for intermediaries in the settlement process. Rental income distribution, ownership records, and trade settlement are all handled on-chain. EXTERNAL WALLET Users interact with a standard web interface. Property tokens can also be transferred to an external Algorand-compatible wallet for users who prefer direct custody of their assets. LIQUIDITY POOLS Lofty's secondary marketplace includes liquidity pools where participants can buy or sell property tokens instantly, rather than waiting for a matching counterparty. Lenders can supply USDC or property tokens to these pools and may earn yield in return, subject to pool activity and market conditions.
Asset Categories
Lofty's marketplace currently lists 100+ rental properties across 40 US markets. Properties are organized into the following categories: - Cash Flowing - properties that are currently generating rental income and distributing it to token holders on a daily basis. - Single Family - individual residential homes available for fractional ownership, typically leased to single tenants or families. - Multi Family - residential buildings with multiple units, offering exposure to several rental income streams within a single property. - Vacation Rentals - short-term rental properties in leisure markets, operating under platforms such as Airbnb or VRBO. - Commercial - non-residential properties including retail, office, and mixed-use assets. - Owner Occupied - properties where the current owner continues to occupy the property while selling fractional ownership stakes to participants. - Seller Buyback - properties where the seller retains the right to repurchase the asset at a predetermined price and timeline. The full list of available properties, including detailed financials, inspection reports, projected rental yield, and ownership documents for each asset, is available directly on the Lofty marketplace.
Why Fractional Real Estate
Real estate has historically been used by many investors as a vehicle for wealth preservation and income generation. However, direct property ownership requires significant upfront capital, involves lengthy transaction processes, and typically locks participants into illiquid positions for extended periods. Fractional ownership through tokenization is designed to address some of these structural constraints. LOWER ENTRY THRESHOLD Traditional real estate investment requires a down payment, mortgage qualification, legal fees, and ongoing management responsibilities. Fractional ownership allows participants to acquire a proportional stake in a property without any of these requirements. PORTFOLIO DIVERSIFICATION Fractional ownership allows participants to spread capital across multiple properties, markets, and asset types - which may help reduce concentration risk compared to direct ownership of a single property. POTENTIAL TAX CONSIDERATIONS Token holders may benefit from real estate tax deductions available to direct property owners, including depreciation. Participants are advised to consult a qualified tax professional regarding their specific circumstances.
Platform History & Strategic Direction
PLATFORM HISTORY Lofty launched in 2018 and went through Y Combinator's S19 cohort. As of September 2023, the platform had tokenized 148 properties across 11 US states, distributed $2 million in rental income to investors, and had approximately 7,000 monthly active users. By 2025–2026, the platform had grown to 100+ active listings across 40 markets, $100M+ in total investment facilitated, $5.2M+ distributed to participants, and 40,000+ registered users.
Fee Structure
The following fees apply to transactions on the Lofty platform: - Transaction fee: 3.5% per transaction - Marketplace fee: 2.5% per transaction on the secondary market - Algorand network gas fees: variable, applied per transaction - Platform management fee on rental income: none - the platform does not charge a fee on rental income distributions - Property management fee: charged separately by the third-party property manager for each individual property; varies by property and manager • Note: Converting token proceeds to USD requires multiple steps - token → USDC → ALGO → external exchange → USD → bank account.
Investors & Funding
Lofty has raised over $5 million in total funding across multiple rounds, with 29 participants to date. FUNDING ROUNDS: - Seed round: Y Combinator (August 2019) - $150K - Subsequent rounds: MS&AD Ventures, Makai VC, Taisu Ventures, Alysia Silberg (Street Global), Bloccelerate, and others KEY BACKERS: - Y Combinator (S19 cohort) - NVIDIA - Hustle Fund - Rebel Fund - LAUNCH (Jason Calacanis) ADVISORS (CRUNCHBASE): - Jason Calacanis - investor and advisor - Stefan Martinovic - advisor
Projects on the Platform
5333 Ponte Tresa Dr
Tokenized access to a professionally managed residential rental property in the Austin metropolitan area, targeting an average annual rental yield of 14.28%*.
Funding Progress
$251K / $763K
Progress
33%
Token Price
$50
Deadline
*
Investors
184
View Details
14018 Arcadia Road NE
A tokenized short-term rental property in Albuquerque, NM, targeting a 13.29% average rental yield*.
Funding Progress
$8K / $397K
Progress
2%
Token Price
$50
Deadline
*
Investors
306
View Details
Team
The platform team comprises experienced professionals with expertise across multiple jurisdictions, contributing to governance, strategic direction, and day-to-day operational management. All information presented is based on publicly available sources.
Jerry Chu
Founder & CEO
Co-founded Lofty after experiencing the complexity of purchasing rental property through traditional channels. Holds a B.S. in Mathematics and Economics from the University of Southern California and an M.S. in Financial Engineering from Claremont Graduate University. Y Combinator alumnus.
Los Angeles, USA
Max Ball
Co-Founder & COO
Prior to Lofty, co-founded Hashtap and Approach Mobile, and served as VP of Business Development at Blu Digital Group. Holds a degree from the University of San Diego and completed an AI incubator program at USC Viterbi School of Engineering. Y Combinator alumnus.
Los Angeles, USA
Mark Keane
Co-Founder & Chief Data Scientist
Co-founder of Lofty, leading data analysis and AI development across the platform, with a focus on property evaluation and participation strategy modeling. Builds and maintains the platform infrastructure supporting trading, payouts, and property workflows, ensuring the system scales as the marketplace grows.
USA
FAQ
Institutional interest is increasing globally.
Is the information on the page a recommendation to use the platform?
The information provided on UnitStake is for informational purposes only. Listing a platform in the directory does not constitute a recommendation, endorsement, or guarantee of the quality of its services. Users are advised to evaluate the platform independently, review its terms of use, and conduct their own due diligence before engaging with it.
How often is platform information updated?
We strive to keep information up to date and update it upon receiving new data from the platform, from official sources, or as a result of our own verification. However, certain changes may occur between updates, so users are also encouraged to consult the platform's official information sources.
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Los Angeles, USA