Stairs by Groundfloor Savesting Simplified

As someone who’s always on the lookout for innovative ways to invest, I recently came across an intriguing platform called Stairs by Groundfloor.

This investing app allows users to earn interest on secured real estate debt notes, providing a unique alternative to a traditional savings account.

Stairs offers a fixed repayment date, which is great because it ensures that I know exactly when to expect returns on my investment.

What I really appreciate about the Stairs app is that it gives everyday investors like me the opportunity to engage in direct real estate investing without the need to be an accredited investor.

This means that individuals can invest in tangible assets while still having the convenience and ease of use that comes with a savings account app.

I can even withdraw anytime I want, just like I would with a bank account.

The app is available on the Google Play Store so it’s easy for me to get started and see the potential for higher yield and real returns compared to a traditional savings app.

One more thing I find fascinating about Stairs by Groundfloor is how they offer a completely new concept called “savesting” – a combination of saving and investing.

With the secured debt notes offered in the platform, Stairs notes automatically repay and provide consistent returns that are backed by real estate assets.

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Stairs by Groundfloor Overview

As an investor, I discovered an exciting new platform called Stairs by Groundfloor, which is an arm of the Groundfloor real estate debt investing product.

It’s a direct real estate investing app that feels like a savings account, which lets me earn a guaranteed 4% to 6% interest rate on the money I deposit.

The only difference is that, with Stairs, I’m investing in non-traded debt notes that are backed by tangible assets instead of just putting my money in a traditional bank account.

What I like about the Stairs app is that the stairs notes automatically repay and reinvest every five days, and the interest rates are based on market conditions and investor demand.

Plus, the real estate assets provide an additional layer of security compared to a traditional savings app.

I find the app user-friendly and secure, with features like round-ups and recurring transfers that make it easy for me to invest my spare change and grow my wealth steadily over time.

Plus, there are no minimum balances or hidden fees, so I can always withdraw anytime I want.

Understanding Real Estate Debt Platforms

While exploring various investment opportunities, I stumbled upon a new saving account from Groundfloor, which I was already using. (Read my Groundfloor Review)

It piqued my interest as it seems to be a modern alternative to traditional savings accounts, offering better interest rates on deposits.

I decided to share my findings on real estate debt platforms and how they differ from traditional bank accounts.

At its core, Stairs by Groundfloor is a unique real estate debt platform that allows everyday investors, like you and me, to participate in direct real estate investing by purchasing secured debt notes.

These notes are linked to tangible assets, such as real estate backed loans, offering a sense of security over our investments.

Here’s how the Stairs app works: instead of depositing money into a traditional savings account or a regular bank account, I can invest my funds into debt notes that are backed by real estate assets.

These notes come with fixed repayment dates, and they offer more consistent returns compared to the big swings in the stock market.

In a way, it’s a brand new category of investment that caters to everyday people like us.

The Stairs app is designed for easy access and user-friendliness.

After downloading it, setting up my Stairs account was a breeze, and I could start saving and investing immediately.

The app offers features like round-ups and recurring transfers, enabling me to invest my spare change and automate the process.

Unlike some traditional savings accounts, there are no minimum balances or withdrawal restrictions. Plus, I can access and withdraw my funds anytime without any hassles.

With the Stairs by Groundfloor platform, my investments are backed by real assets, bringing peace of mind knowing that my hard-earned money is working for me.

In contrast, a traditional savings account offers a lower interest rate.

I am thrilled to have discovered this innovative investing opportunity.

I strongly believe that Stairs represents a completely new concept in the realm of personal finance, providing a great alternative for people like me who are looking for smarter ways to save and invest.

Investment Opportunities in Stairs

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What sets the Stairs app apart from traditional savings apps and bank accounts is its focus on real estate assets and its ability to provide better interest rates.

In comparison to a regular savings account, the Stairs app offers a new kind of investment opportunity called “Savesting.”

Backed by secured debt notes, Stairs investments are supported by tangible assets in the form of direct real estate loans.

I find this interesting because it brings the potential for higher returns on my investments with a degree of security, such as an interest rate range of 4 to 6% based on market conditions and investor demand.

To make saving even more effortless, the Stairs app also offers round-ups and recurring transfers, allowing me to save my spare change and build my investments over time.

It’s a completely new concept in the world of investment apps, and I’m excited to see where Stairs by Groundfloor takes me on my path to financial growth and stability in the future.

Pros and Cons of Stairs by Groundfloor

As a real estate debt platform, this investing app offers a unique alternative to traditional savings and bank accounts.

While exploring its features, I’ve discovered some pros and cons that I’d like to share with you.


  • The Stairs app offers a competitive interest rate between 4-6%, which is significantly higher than the interest rate on traditional savings accounts.
  • Stairs investments are backed by real estate assets, providing tangible assets to secure your money.
  • The Stairs notes automatically repay and reinvest every five days, based on market conditions and investor demand, making it a hands-off investment approach.
  • You don’t need to be an accredited investor to use Stairs, as Groundfloor’s platform allows everyday investors to access high-yield returns backed by real estate.
  • With no minimum balances or fixed repayment dates, it’s convenient to withdraw from your Stairs account anytime you need access to your funds.


  • Stairs is a relatively new app in the world of direct real estate investing, so there’s less of a track record compared to other, more established investment options.
  • As with any investment involving real assets, there’s the potential for fluctuations in market conditions and investor demand, which could impact returns.

I find the Stairs by Groundfloor app to be a fascinating and innovative way to diversify my savings strategy.

Although it might not be the perfect fit for everyone, it’s worth considering if you’re interested in harnessing the power of real estate-backed investments to grow your funds.

How to Get Started with Stairs

When I first discovered Stairs by Groundfloor, I knew I had found an investing app unlike any other.

It combines the convenience of a savings account with the security and potential returns offered by direct real estate investing.

If you’re new to the Groundfloor and Stairs app, allow me to walk you through the process of getting started.

The first step to begin your Stairs journey is to download the app.

It’s available on both the Apple App Store and the Google Play Store, making it easily accessible for all users.

Once you’ve got the app downloaded and installed, it’s time to create your account.

You’ll need to provide some basic information to get started, such as your name, email address, and connect your bank account.

Next, deposit money into your Stairs account.

The app allows you to invest as little as $1, and you can choose to deposit either a lump sum or set up recurring transfers from your bank account.

Since Stairs is a unique hybrid of a savings and investing application, your money will be put directly into secured debt notes, backed by real estate assets.

One great feature of Stairs is the automatic reinvestment option.

The Stairs notes automatically repay every five days, and they can be reinvested for you.

This means you can essentially set and forget your investment, while still knowing your assets are secured by tangible property.

Compared to a traditional savings app, Stairs offers some distinct advantages.

Not only do you get to invest in real estate backed loans, but the interest rate and fixed repayment dates are more advantageous.

Moreover, Stairs allows you to withdraw anytime, making it more flexible than many other investments.

To supercharge your savings and make the most of your Stairs investments, I recommend using the app’s rounding-up feature.

This nifty option will round up your spare change from daily purchases and funnel it directly into your Stairs account.

With this combined strategy, you’ll be saving smarter and reaping the benefits of 4-6% interest made possible through the Stairs by Groundfloor platform.

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Stairs by Groundfloor Performance

Instead of using a traditional savings account or bank account, the Stairs app focuses on direct real estate investing.

When I first downloaded the app from the Google Play Store, I was curious to see how it would perform compared to my regular savings account.

The Stairs app revolves around the concept of Stairs Notes, which automatically repay and reinvest every five days.

These debt notes offer consistent returns in the range of 4-6% interest, depending on market conditions and investor demand.

What caught my attention was that these notes are backed by tangible real estate assets, which adds an extra layer of security compared to a traditional savings app.

As I began using the Stairs app, I found that fixed repayment dates are not present here, unlike in direct real estate investing.

With Stairs Notes, the repayment is more consistent and predictable, making it an attractive option for me as an investor.

What’s even better is that I can withdraw my money anytime without any hassle, giving me the flexibility I need for my day-to-day expenses.

The only difference between Stairs and a regular savings account is that Stairs investments are in real estate-backed loans, offering a potentially higher yield while maintaining the accessibility of traditional savings.

In just a short time using the app, I’ve seen my Stairs account’s interest rate surpass that of my regular savings account, all while being backed by secured debt notes and real assets.

In conclusion, I’ve found Stairs by Groundfloor to be an innovative and user-friendly alternative to traditional savings accounts.

With the potential for higher returns and the added security of real estate assets, it’s a fantastic option for everyday investors like myself.

The Bottom Line: Stairs by Groundfloor

As someone who has explored different types of investment options, I can confidently say that Stairs by Groundfloor has genuinely caught my attention.

Unlike traditional savings apps, this investing app allows you to generate returns from tangible assets, making it an attractive choice for those seeking consistent and predictable earnings.

Perhaps the main advantage of using Stairs as an investing app is its accessibility. Unlike direct real estate investing, you don’t need to be an accredited investor to participate.

In fact, everyday investors like you and me can use the Stairs app as a convenient alternative to a traditional bank account or savings account.

Stairs investments consist of secured debt notes backed by real estate assets. These debt notes offer consistent returns, with fixed repayment dates that make it easy to plan for your financial goals.

Additionally, Stairs notes automatically repay, allowing you to reinvest your earnings and maintain a steady stream of income.

When it comes to ease of use, the Stairs app is a game-changer.

With no minimum balances and the option to withdraw anytime or set up recurring transfers, it is truly a flexible option.

In addition, the platform features round-ups and spare change investing, making saving money feel effortless.

You can rely on your Stairs account for better interest rates than a traditional savings app, promising a higher yield on your hard-earned money.

In a nutshell, the completely new concept behind Stairs by Groundfloor offers a great opportunity for everyday people like me to enjoy the benefits of investing in real estate backed loans.

So, what are you waiting for?

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And before you run off, look at these great reads

  • groundfloor
  • groundfloor review
  • groundfloor investing
  • groundfloor login
  • groundfloor vs fundrise

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