I have had this conversation more times than I can count. It usually starts the same way. A licensed agent sits down across from me and says, "Noah, I keep going back and forth. Should I join a team or go solo? I keep hearing that solo agents keep all their commission, but I also keep hearing that team agents close more deals. What is the real answer?"
It is a fair question. One of the most important career decisions you will make as a real estate agent. And the answer is not the same for everyone.
Here is the honest truth. Most agents who go solo too early struggle. Not because they lack talent. Not because they are not hard workers. They struggle because they are trying to figure out lead generation, marketing, systems, and client management all at once with no playbook. And that is a recipe for burnout, not growth.
The real reason agents go solo
I understand the appeal. The math looks simple on paper. If you split 50% of your commission with a team, and you close ten deals a year, you are giving away half your income. Why would anyone do that?
But the math that matters is not splits. It is net income. It is volume. It is velocity.
Here is a question I ask every agent considering the solo route. If you keep 100% of your commission but only close two to three deals this year because you are spending all your time figuring out lead systems, building a website, designing marketing materials, managing paperwork, and handling transaction coordination, is that really a win?
Or would you rather split a percentage of ten, twelve, or fifteen deals and take home more money at the end of the year?
That is the question most agents never stop to honestly answer.
What a team actually gives you
When I talk to agents about joining Elevate Group, I do not lead with the split. I lead with what the split buys them. Because that is the real conversation.
Here is what a well-built team provides that a solo agent has to build from scratch.
Proven systems, not guesswork
The most painful thing about going solo is that you have to build everything yourself. Lead generation, CRM setup, marketing collateral, transaction management, buyer consultation scripts. Every single piece of the business requires you to either figure it out or pay someone else to figure it out for you.
A team hands you a playbook that has already been tested and refined. Not a theory. A system that is producing results right now. You do not need to reinvent the wheel. You just need to run the system.
Real lead flow, not promises
This is the biggest differentiator. A good team generates leads at the team level and distributes them to agents. That means you start your first month with inbound leads, not an empty pipeline and a prayer.
At Elevate Group, we invest in multiple lead channels. Online buyer leads, live transfer calls, past client referral systems, and sphere marketing. These channels run continuously and feed agents who are ready to work them. You are not paying for a split and hoping leads show up. The leads are part of the package.
Mentorship and accountability
The solo path has no one to answer to. That sounds freeing, and for some agents it is. But for most agents, the lack of accountability is exactly what holds them back.
On a team, you have weekly coaching. You have someone who reviews your pipeline. You have peers who are running the same systems and seeing results. You have a leader who has done what you are trying to do and can show you the shortcuts.
That kind of mentorship does not exist on the solo track. And it is one of the fastest ways to compress years of trial and error into months of focused growth.
The commission split is not a cost. It is an investment.
I want to reframe how you think about the split. If you view it as a cost, then the smallest split always wins. But if you view it as an investment, the question changes. Instead of asking "How much do I give up?" you start asking "What does this investment get me?"
A good team investment gets you speed. Speed to market. Speed to lead conversion. Speed to closing. Speed to mastery.
The solo agent spends their first year building systems. The team agent spends their first year closing deals. That difference compounds.
Think about it. If you are on a team in year one, closing eight to ten deals with a fair split, you are building a database. You are building referral relationships. You are building transaction experience. By year three, your past client business is feeding you and your income has grown well past where you started.
The solo agent who spent year one building systems instead of closing deals hits year three with less experience, a smaller database, and a system that may or may not be working. They are still trying to figure out what works while the team agent is already producing.
When going solo actually makes sense
I want to be honest about this. Going solo is not always the wrong choice. There are agents who thrive on the solo path. They tend to share a few traits.
They have deep experience in the industry. They already know how to generate leads, manage transactions, and build a brand. They have been in the business long enough that they have a reliable referral network and a proven process.
They are highly self-disciplined. They do not need external accountability to stay focused. They set their own goals, create their own structure, and follow through without anyone checking in on them.
They have the financial runway to absorb the slow months. Because the solo path is inconsistent. Some months are great. Other months the phone does not ring. You need the reserves to ride that out without panicking and making bad decisions.
If that sounds like you, going solo might work. But I have met far more agents who think they fit that description than who actually do. It is easy to overestimate your own discipline when you have never been tested by a three-month dry spell with no one to lean on.
What about mid-career agents?
Here is something I hear often from agents who have been in the business for three to five years. "I have some experience, but I feel stuck. I am not growing the way I want to. I have hit a ceiling."
That is exactly the agent who benefits most from a team. They already know the basics. They do not need to be taught how to write an offer or host an open house. But they are missing the infrastructure to scale. They need lead flow, systems, and a team around them to break through to the next level.
The solo track often leaves mid-career agents exactly where they are. They have a comfortable but capped income. They work hard but cannot seem to grow. A team is the lever that changes that trajectory.
How Elevate Group is built differently
I designed Elevate Group around this exact question. I have seen too many talented agents burn out trying to go it alone. And I have seen too many teams treat agents like interchangeable production units instead of long-term partners.
Here is what we do differently.
Condensed onboarding. We do not take months to ramp you up. Our onboarding process gets you licensed, set up with systems, and working leads within weeks. The faster you start producing, the faster you see the return on your investment.
Real lead flow. We invest in lead channels that produce results. Online buyer leads, live transfers from buyers and sellers who are ready to talk, and a systematic referral program that turns every transaction into a new opportunity. You do not join a team and hope for leads. You join a team that delivers them.
Coaching that actually helps. Weekly one-on-one coaching, pipeline reviews, and skill-building sessions that focus on the activities that move the needle. Not generic training. Real coaching tailored to where you are in your career.
A proven framework. Every system we use has been tested and refined. Your job is not to figure it out. Your job is to execute. The playbook exists. You just need to run it.
The real question is not team versus solo
I have come to believe that the real question is not whether to join a team or go solo. The real question is: how fast do you want to grow, and what are you willing to invest to get there?
Going solo works if you have the experience, discipline, capital, and patience to build a business from scratch over several years. There is nothing wrong with that path. It is just slower. And for most agents, it is lonelier and harder than they expected.
Joining a team is not a shortcut. It is a multiplier. You trade a portion of each commission for a system that helps you close more deals, a mentor who helps you avoid mistakes, and a team that handles the parts of the business that drain your time. The investment pays for itself, usually faster than you expect.
If you are tired of figuring it out alone, if you are ready to stop spinning your wheels and start producing, it might be time to have an honest conversation about what a team could do for your career.
Before you have that conversation, bring the questions every agent should ask before joining any team: the real split after every fee, the lead numbers, the mentor, and the exit terms, all in writing. We wrote the full due-diligence list in what to ask a real estate team before joining, and you should run it on us too.
That is what Elevate Group is for.
Noah Goedker
Team Leader, Elevate Group at eXp Realty
A third-generation real estate agent and lifelong resident of the Brainerd Lakes Area. Noah built Elevate Group because he believes that agents should not have to choose between keeping their commission and having the support system they need to grow. He designed the team around the idea that the right split is an investment, not a cost.