# 6 Ways to Invest in Real Estate with $10-$100,000
Real estate investing doesn't require a down payment the size of a house down payment anymore. You can build real estate wealth with capital ranging from $10 to $100,000, depending on the strategy you choose.
The article outlines six distinct pathways for ordinary investors. Each approach trades off between capital requirements, time commitment, and passive income potential.
**Low-capital options** start around $10,000. Crowdfunding platforms like Fundrise and RealtyMogul pool investor money into commercial or residential projects. You own a fractional stake without managing tenants or repairs. Returns typically range from 8 to 12 percent annually, though platforms restrict earnings to accredited investors in some cases.
Real Estate Investment Trusts (REITs) require even less. You can buy shares for under $100 through any brokerage. REITs trade like stocks and must distribute 90 percent of taxable income to shareholders. The tradeoff: you have zero control over properties or management decisions.
**Mid-range strategies** ($25,000-$50,000) include partnering on rental properties or purchasing distressed single-family homes for renovation. These approaches demand active involvement but offer leverage through mortgages. Your capital becomes the down payment, and borrowed money covers the rest.
**Higher-capital approaches** ($75,000-$100,000) unlock direct property ownership. This lets you claim depreciation deductions, negotiate repairs, and capture full appreciation upside. Rental properties generate monthly cash flow, though vacancy risk and maintenance costs apply.
The article also mentions wholesaling and hard money lending. Wholesalers identify undervalued properties and sell them quickly for profit without financing. Hard money lenders provide short-term loans to real estate investors at