In real estate crowdfunding, the maximum amount you can raise—or invest—is strictly determined by the specific SEC regulation your project follows. As of 2026, the limits for each major pathway are as follows:
1. Maximum Raising Limits (For the Project/Sponsor)
The “raise cap” depends on which legal “lane” you choose for your offering.
| Regulation | Maximum Annual Raise | Investor Type |
|---|---|---|
| Regulation Crowdfunding (Reg CF) | $5 Million | Both Accredited & Non-Accredited |
| Regulation A+ (Tier 1) | $20 Million | Both Accredited & Non-Accredited |
| Regulation A+ (Tier 2) | $75 Million | Both Accredited & Non-Accredited |
| Regulation D (506b & 506c) | Unlimited | Primarily Accredited Investors |
2. Maximum Investment Limits (For the Individual)
For non-accredited investors, the SEC limits how much you can put into any one deal to protect your financial stability.
- Accredited Investors: Generally have no maximum limit under Reg CF, Reg A+, or Reg D.
- Non-Accredited Investors (Reg CF Rules): * If either your annual income or net worth is less than $124,000, you can invest up to the greater of $2,500 or 5% of the lesser of your income or net worth.
- If both your income and net worth are $124,000 or higher, you can invest up to 10% of the lesser of your annual income or net worth (not to exceed $124,000 total per year across all Reg CF deals).