PeerStreet can be safer than competing crowdfunding platforms as all offerings are debt-based. You lend money to the property owner who repays the balance with interest. You can earn a dividend yield competitive with other crowdfunding platforms. The low $1,000 minimum investment makes it easier to diversify and also invest small amounts of money.  However, you will need to perform your due diligence before committing to an individual investment. In addition, normal market risks still apply and some borrowers will default. The only funds that have FDIC insurance are the uninvested cash in your investment account. Unfortunately, these funds don’t earn interest. Any cash you invest in a real estate deal or a Pocket account is neither FDIC-insured and SIPC-insured.