# lofty.ai

> AI-optimized mirror of lofty.ai containing 50 pages totalling 59,732 words of clean markdown content, structured data, and semantic HTML. Original source: https://lofty.ai. Last updated: 2026-08-08T04:08:12.446Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Buy Fractional Real Estate | Lofty AI Investing App](/content/site-root.html): Invest in fractional U.S. real estate with as little as $50. Browse properties, earn rental income, and manage your holdings on Lofty. (1,459 words)

## Articles & Blog Posts

- [list-your-property/index.html](/content/list-your-property/index.html) (967 words)
- [Landlord-Tenant Laws by State (2026): Deposits & Evictions | Lofty](/content/landlord-tenant-laws/index.html): Compare landlord-tenant laws in all 50 states and DC: security deposit limits, deposit return deadlines, notice to enter, eviction notices, and rent control rules. (2,820 words)
- [Cookie Policy | Lofty](/content/cookies/index.html): Learn how Lofty uses cookies and similar technologies, and how to manage your cookie preferences. (2,379 words)
- [15 Best Real Estate Investing Platforms (2026) — Fundrise, Arrived, Lofty & More](/content/compare/index.html): Side-by-side comparison of 15 real estate investing platforms in 2026: $5–$50,000 minimums, payout schedules, liquidity rules, fees, and which ones let you cash out in days vs. years. (733 words)
- [How to Analyze a Rental Property: Step-by-Step Guide for 2026 | Lofty](/content/real-estate-investing/how-to-analyze-a-rental-property/index.html): Learn to analyze a rental property step by step: rent comps, the 50% rule, line-item expenses, cash flow, cap rate, cash-on-cash, DSCR, and red flags. (1,815 words)
- [1031 Exchange Rules, Timelines & Fractional Replacement Options | Lofty](/content/real-estate-investing/1031-exchange/index.html): Learn how a 1031 exchange works for rental property: like-kind rules, 45-day and 180-day deadlines, qualified intermediaries, depreciation recapture, DSTs, and TICs. (1,696 words)
- [BRRRR Method Explained: Buy, Rehab, Rent, Refinance, Repeat (2026) | Lofty](/content/real-estate-investing/brrrr-method/index.html): How the BRRRR method works in 2026: the five phases, ARV and 75% LTV refinance math, seasoning rules, a worked example, and where BRRRR deals go wrong. (1,907 words)
- [1031 Exchange Rules by State (2026): Conformity & Clawbacks | Lofty](/content/1031-exchange-rules-by-state/index.html): How every state treats 1031 exchanges in 2026: state capital gains rates, conformity with federal deferral, California Form 3840 clawback, and withholding at closing. (2,416 words)
- [Self-Directed IRA Real Estate: Rules, Prohibited Transactions & UBIT | Lofty](/content/real-estate-investing/self-directed-ira-real-estate/index.html): How self-directed IRA real estate works: IRC 4975 prohibited transactions, disqualified persons, UBIT on leveraged property, custodian fees, and alternatives. (2,144 words)
- [House Hacking Guide: Live for Free With a 2-4 Unit or Rented Rooms | Lofty](/content/real-estate-investing/house-hacking/index.html): How house hacking works in 2026: FHA 3.5% down on 2-4 units, renting rooms, ADUs, occupancy rules, realistic numbers, taxes, and the main risks. (1,911 words)
- [LLC for Rental Property: Costs, Benefits & When You Need One | Lofty](/content/real-estate-investing/llc-for-rental-property/index.html): Does your rental need an LLC? What it protects, the due-on-sale clause risk, state costs like California's $800/yr, financing limits, and tax reality. (1,831 words)
- [DSCR Loans Explained: Rates, Requirements & How They Work (2026) | Lofty](/content/real-estate-investing/dscr-loans/index.html): DSCR loans qualify on rental income, not your tax returns. See how the ratio is calculated, typical 2026 terms, who they fit, and the risks to watch. (1,376 words)
- [How to Pull Equity Out of a Rental Property: 5 Ways Compared (2026) | Lofty](/content/real-estate-investing/how-to-pull-equity-out-of-rental-property/index.html): Learn how to pull equity out of a rental property in 2026. Compare cash-out refinance, HELOC, home equity loan, HEI, and selling equity to investors on Lofty. (1,411 words)
- [What Is Real Estate Crowdfunding? How It Works, Risks & Returns | Lofty](/content/real-estate-investing/what-is-real-estate-crowdfunding/index.html): Learn what real estate crowdfunding is, how equity and debt deals work, key risks, fees, liquidity, and how it compares with REITs and fractional real estate. (820 words)
- [Rental Property Depreciation: How to Calculate It in 2026 | Lofty](/content/real-estate-investing/rental-property-depreciation/index.html): Learn how to calculate rental property depreciation: 27.5-year residential schedule, basis allocation between land and building, Schedule E reporting, and recapture. (1,478 words)
- [Home Sale Capital Gains Calculator (2026) | Section 121 Exclusion | Lofty](/content/calculators/home-sale-capital-gains-calculator/index.html): Free home sale capital gains calculator. Apply the $250K/$500K Section 121 exclusion, estimate federal and state tax, recapture, and net proceeds. (1,387 words)
- [Rent vs Buy Calculator | Break-Even Year & True Cost Comparison | Lofty](/content/calculators/rent-vs-buy-calculator/index.html): Free rent vs buy calculator. Compare the true cost of owning vs renting year by year, including opportunity cost, equity, and selling costs. (2,051 words)
- [Capital Gains Tax on Rental Property: Calculator Guide & 1031 Options | Lofty](/content/real-estate-investing/capital-gains-on-rental-property/index.html): Calculate capital gains tax on rental property: long-term vs short-term rates, depreciation recapture at 25%, NIIT, state tax, and 1031 exchange options. (1,481 words)
- [Cap Rate: Definition, Formula & Examples | Lofty](/content/glossary/cap-rate/index.html): Cap rate (capitalization rate) is a property’s annual net operating income divided by its price, showing the unleveraged yield it produces. (522 words)
- [Home Equity Investments for Rental Property: Hometap, Point & Unlock vs Lofty (2026)](/content/real-estate-investing/home-equity-investment-rental-property/index.html): How do home equity investments work on rental properties? Compare Hometap, Point, and Unlock terms with selling equity to investors on Lofty in 2026. (1,004 words)
- [Airbnb Calculator | Estimate Short-Term Rental Profit, ROI & Cash Flow | Lofty](/content/calculators/airbnb-calculator/index.html): Free Airbnb calculator. Estimate short-term rental revenue, ADR, occupancy, RevPAN, expenses, mortgage, cash flow, and cash-on-cash return. (957 words)
- [Real Estate Investment Calculator | Investment Property ROI & IRR | Lofty](/content/calculators/real-estate-investment-calculator/index.html): Free real estate investment property calculator. Estimate total profit, annualized ROI, equity multiple, sale proceeds, IRR-style returns, and 30-year cash flow. (1,323 words)
- [Passive Real Estate Investing: Build Passive Income With Real Estate | Lofty](/content/real-estate-investing/passive-real-estate-investing/index.html): Learn how to build passive income with real estate. Compare REITs, crowdfunding, private funds, fractional rental property shares, fees, liquidity, and risks. (707 words)
- [Monthly Income Real Estate Investments (2026 Guide) | Lofty](/content/real-estate-investing/monthly-income-real-estate/index.html): Explore real estate investments that may produce monthly or recurring income, including REITs, funds, rentals, and fractional property shares. (591 words)
- [Rental Property Calculator | Cash Flow, ROI, Cap Rate & DSCR | Lofty](/content/calculators/rental-property-calculator/index.html): Free rental property cash flow calculator. Estimate ROI, cap rate, cash-on-cash return, DSCR, NOI, mortgage payment, and 30-year projections. (1,015 words)
- [How Lofty Works: Fractional Real Estate Investing Explained | Lofty](/content/how-it-works/index.html): Buy shares of rental properties, earn rent paid daily, and sell your shares anytime on the world's first real estate exchange. (1,038 words)
- [Real Estate Investing Glossary: 50+ Terms Explained | Lofty](/content/glossary/index.html): Plain-English definitions of 50+ real estate investing terms, with formulas, worked examples, and FAQs, from cap rate and NOI to 1031 exchanges and BRRRR. (1,396 words)
- [Real Estate Investment Calculators | Lofty](/content/calculators/index.html): Use Lofty calculators to evaluate rentals, mortgages, Airbnb returns, 1031 exchanges, and real estate investments. (1,275 words)
- [HELOC on an Investment Property: 2026 Requirements & Alternatives | Lofty](/content/real-estate-investing/heloc-on-investment-property/index.html): Can you get a HELOC on an investment property? Yes, but few banks offer them. See 2026 requirements, rates, and alternatives like selling equity on Lofty. (888 words)
- [Cash-Out Refinance on a Rental Property: Pros, Cons & Alternatives (2026) | Lofty](/content/real-estate-investing/cash-out-refinance-rental-property/index.html): Considering a cash-out refinance on a rental property? See 2026 LTV limits, costs, and when keeping your low rate and selling equity on Lofty is smarter. (958 words)
- [Mortgage Calculator | PITI, Amortization & Total Interest | Lofty](/content/calculators/mortgage-calculator/index.html): Free mortgage calculator. Estimate monthly principal and interest, taxes, insurance, HOA, PMI, total interest, and amortization schedule. (629 words)
- [DSCR Calculator | Debt Service Coverage Ratio & Max Loan Size | Lofty](/content/calculators/dscr-calculator/index.html): Free DSCR calculator. Divide NOI by annual debt service, check the 1.0x / 1.20x / 1.25x lender thresholds, and see your max loan at 1.25x coverage. (1,177 words)
- [Rental Income Investing: Cash Flow & Property Shares (2026 Guide) | Lofty](/content/real-estate-investing/rental-income-investing/index.html): Learn how rental income investing works. Compare cash flow, rent, expenses, cap rate, REIT dividends, and fractional rental property shares. (624 words)
- [Rent Estimate Calculator | How Much Can I Rent My House For? | Lofty](/content/calculators/rent-estimate-calculator/index.html): Free rent estimate calculator. Estimate how much your house can rent for from home value and rent-to-value ratios, with a low-to-high monthly range. (1,132 words)
- [Fractional Real Estate Investing: Fractional Ownership Guide | Lofty](/content/real-estate-investing/fractional-real-estate-investing/index.html): A beginner guide to fractional real estate investing: how fractional ownership in real estate works, benefits, risks, returns, fees, and how Lofty compares. (778 words)
- [Rental Property Depreciation Calculator | 27.5-Year Deduction & Tax Savings | Lofty](/content/calculators/rental-property-depreciation-calculator/index.html): Free rental depreciation calculator. Estimate your annual deduction, first-year mid-month amount, depreciable basis, and tax savings at your marginal rate. (882 words)
- [Real Estate Crowdfunding vs. REITs (2026): Which Is Better? | Lofty](/content/real-estate-investing/real-estate-crowdfunding-vs-reits/index.html): Compare real estate crowdfunding vs REITs. Learn differences in liquidity, fees, diversification, minimum investments, and property-level control. (740 words)
- [Tokenized Real Estate (2026 Guide): Property Tokens & Fractional Ownership | Lofty](/content/real-estate-investing/tokenized-real-estate/index.html): Learn what tokenized real estate is, how property tokens work, and how blockchain-based fractional ownership may affect liquidity and access. (549 words)
- [How to Invest in Real Estate With $100: Beginner Guide for 2026 | Lofty](/content/real-estate-investing/how-to-invest-in-real-estate-with-100/index.html): Learn how to invest in real estate with $100 through REITs, fractional real estate, and small-dollar rental property platforms. (658 words)
- [Cap Rate Calculator | NOI, Expense Ratio & What Is a Good Cap Rate | Lofty](/content/calculators/cap-rate-calculator/index.html): Free cap rate calculator. Estimate cap rate, annual NOI, effective gross income, expense ratio, and gross rental yield from price, rent, and expenses. (1,061 words)
- [Cash-on-Cash Return Calculator | Annual Cash Flow / Cash Invested | Lofty](/content/calculators/cash-on-cash-return-calculator/index.html): Free cash-on-cash return calculator. Divide annual pre-tax cash flow by total cash invested to see the true yield on your money in a rental deal. (671 words)
- [BRRRR Calculator | Cash Left In Deal, Refinance & Cash Flow | Lofty](/content/calculators/brrrr-calculator/index.html): Free BRRRR calculator. Estimate cash left in the deal after a cash-out refinance, capital recovered, post-refi cash flow, DSCR, and cash-on-cash return. (749 words)
- [How to Invest in Real Estate Without Being a Landlord (2026 Guide) | Lofty](/content/real-estate-investing/invest-in-real-estate-without-being-a-landlord/index.html): Learn how to invest in real estate without being a landlord. Compare REITs, crowdfunding, fractional rentals, and Lofty property shares. (656 words)
- [Fix and Flip Calculator | Profit, ROI & 70% Rule | Lofty](/content/calculators/fix-and-flip-calculator/index.html): Free fix and flip calculator. Estimate net profit, ROI on cash, annualized return, 70% rule max offer, hard money costs, and break-even sale price. (666 words)
- [1031 Exchange Calculator (2026) | Tax Savings, Recapture & Boot | Lofty](/content/calculators/1031-exchange-calculator/index.html): Free 1031 exchange calculator with side-by-side outright sale vs 1031 comparison. Estimate capital gains, depreciation recapture, NIIT, state tax, boot, and reinvestable cash. (484 words)
- [Houston Short-Term Rental & Airbnb Laws (2026) | Lofty](/content/short-term-rental-laws/houston/index.html): Houston Airbnb rules: Permitted with registration, first citywide STR ordinance adopted 2025. Primary residence required: No. Night caps: None. (739 words)
- [Arrived Homes Review 2026: Is Arrived a Good Investment? (Returns, Fees, Liquidity)](/content/compare/arrived/index.html): Arrived Homes review for 2026: $100 minimum, ~3.6% dividend yield (Q1 2026), quarterly payouts, monthly secondary-market windows. Honest pros, cons, fees. (572 words)
- [CrowdStreet vs Fundrise 2026: $25,000 vs $10 Min, Per project vs Quarterly Payouts (Honest Review)](/content/compare/crowdstreet-vs-fundrise/index.html): CrowdStreet vs Fundrise in 2026: compare $25,000 vs $10 minimums, returns, fees, liquidity, and pros & cons. Honest verdict on which platform is right for... (488 words)
- [Real Estate Investing Blog | Lofty](/content/blog/index.html): Learn about fractional real estate investing, tokenized real estate, liquidity, and portfolio strategy. (2,721 words)

## Resources

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