# Real Estate Investment Options for Modest Budgets
Real estate investing no longer requires six figures to get started. Six distinct strategies allow investors to enter the market with capital ranging from $10 to $100,000.
The lowest-cost entry point involves real estate investment trusts (REITs). These funds pool investor money to buy and manage properties. You can start with as little as $10 to $100 through most brokers, purchasing shares just like stocks. REITs provide instant diversification across residential, commercial, or industrial properties without the work of direct ownership.
Crowdfunding platforms offer another accessible route. Companies like Fundrise and RealtyMogul let investors contribute $500 to $5,000 toward development projects or existing properties. Returns come through rental income or profit-sharing when properties sell.
For hands-on investors, house hacking makes sense with $20,000 to $50,000 down. Buy a multi-unit property, live in one unit, and rent the others. Your tenants' payments help cover your mortgage. First-time homebuyer programs can lower down payments to 3 to 5 percent.
Private lending offers another angle. Investors loan money to real estate developers at 8 to 12 percent returns, secured by the property itself. Typical investments range from $25,000 to $100,000 per deal.
Partnership investments work for those with $50,000-plus. Join a partner who handles property management while you provide capital. You split profits, typically 50/50 or based on capital contributed.
Wholesale deals appeal to active investors. Buy properties below market value, then sell quickly to other investors for profit. Initial capital needs vary widely but start around $5,000 for marketing and earnest money.
Each method carries different risk levels and time commitments.