June 26, 2022

McKenzielee Blog

Wicked Clever House Experts

Roofstock One makes it simple to invest in real estate

5 min read

We’re in the throes of 2022, which means our New Year’s resolutions (if we follow them to a T) are in full swing. With that, the goal to not only save your money but grow your income, too, may be a financial priority. 

Though everyone’s financial situation looks different, those looking to invest have a few options. Aside from using some of the best investment apps to grow your portfolio by means of stocks or mutual funds, you can opt for real estate investing.

Trying your hand at single-family rental (SFR) real estate investing requires no down payment or dealing with renters. Plus, you won’t have to work the numbers only to toss all your eggs into one basket (or, in this case, one property).

With Roofstock One, if you’re an accredited investor, you can seamlessly invest in the real estate market remotely, with interests tied to properties in several geographic markets. You won’t have to worry about the significant capital and infrastructure required to acquire and manage an SFR.

That’s something to raise the roof about.

How does Roofstock One work?

Roofstock One is a radically simple alternative to traditional real estate investing. The company uses its extensive experience in the SFR sector to identify and acquire properties in markets that its data science and research teams have identified as potentially attractive investment opportunities.

After identifying promising markets and acquiring single-family properties that are selected for their rental potential, Roofstock One issues tracking stock shares that represent economic interests in the selected SFR properties. These shares are then bundled into portfolios, based on geography or other characteristics, to provide investors exposure to different investing strategies. 

This approach enables accredited investors to make selections that align with their investing goals. Investing is easy; essentially you add investments to your shopping cart and receive a portfolio at checkout..

“We believe Roofstock One makes SFR real estate investing the simplest it has ever been,”  said Gary Beasley, CEO and co-founder of Roofstock.

How is Roofstock One unique in the real estate investing space?


Roofstock One provides an efficient alternative to direct investing,so you can avoid the need to be on title, secure a mortgage, deal with agents, supervise rehabilitation teams and property managers and address ownership and tenancy issues. Investors can instead focus on assembling targeted portfolios with allocations across markets, focusing on specific investment goals.

Notably, investors can also help lessen the asymmetric risk of single property ownership, thanks to shares of tracking stock that provide exposure to multiple properties. Investors with shares of tracking stock may receive a pro rata distribution based on the economics of the underlying properties, a portion of which may be tied to available depreciation. They may also benefit from potential long-term growth from home price appreciation.

Please review the level of risk you’re comfortable with before investing.

Plus, Roofstock One makes investing catered to you. An investor in Roofstock One can pick and choose from a curated list of investment opportunities and construct an investment that suits their investment goals.

Is there a minimum investment amount to qualify for Roofstock One?

The minimum initial investment in the program is $5,000, but there is no limit to how investors allocate their funds across the many available tracking and or common stocks.Subsequent investments can be at $100 increments.

Is Roofstock One a good platform for long-term investors?

Upon achieving scale, Roofstock One hopes to be evergreen, meaning the company can hold your investment and continue growing your assets for as long as you would like. Not to mention, Roofstock requires investors in Roofstock One to have an investment horizon of at least five years.

Is Roofstock One a good platform for beginner investors?

Beginner real estate investors should analyze their own financial goals, risk tolerance and interests before allocating dollars to any investment. Roofstock makes this easy with a library of tips and guides and “The Remote Real Estate Investor” podcast.

Specifically, investors seeking a fully passive opportunity may like the features of Roofstock One, which currently has portfolios in several markets.

Roofstock One is not a registered security. It is being offered pursuant to an exemption from registration requirements. Neither the SEC nor any other regulator has approved the offering, which is speculative and carries risk of loss.

How do I know if I’m an “accredited investor” to start investing with Roofstock?

houses collage

Roofstock One is available for accredited investors only. But, what does that entail?

According to the Securities and Exchange Commission (SEC), an accredited investor includes anyone who:

  • Earned income that exceeded $200,000 (or $300,000 together with a spouse or spousal equivalent) in each of the prior two years, and reasonably expects the same for the current year, OR
  • Has a net worth over $1 million, either alone or together with a spouse or spousal equivalent (excluding the value of the person’s primary residence), OR
  • Holds in good standing a Series 7, 65 or 82 license.

Roofstock One, Inc., a Maryland corporation (Roofstock One), is not registered as a broker, dealer, investment advisor,  investment manager, or registered funding portal under the U.S. Securities Act of 1933, as amended. Roofstock One’s securities offerings are available only to “Accredited Investors” as defined by Rule 501(a) of the Securities Act. 

How does Roofstock One investing impact my tax filing, especially before the April 15 deadline?

As with all investments, investors are responsible for taxes on capital gains or revenue earned. Roofstock One simplifies tax time by providing investors with a Form 1099 representing the investors’ share of earnings after applicable deductions or depreciation write-offs are calculated.

It’s also good to note that those who invest in SFRs are responsible for tracking income and expenses, calculating appropriate depreciation, and completing necessary tax forms. 

The bottom line

investing picture with house and paperwork

Roofstock One, though not a direct hands-on approach to investing, is a wonderful alternative to real estate investing. Without the headaches, commitment to a single property (if that’s what you desire) and all the stress of taking on investment property, Roofstock One allows investors to diversify in multiple properties across several markets with less capital than direct investing. .

Plus, you can also buy properties through Roofstock or sell properties. The possibilities to expand your portfolio are endless. 

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