If I remember correctly (and I'll be the first to admit I might not have this right), the accredited investor rule comes into play if a startup doesn't have a full prospectus explaining the risks associated with making an investment along with an in-depth report of the startup's situation. If that's still the case, then if you can make it easy for startups to crank-out semi-customized prospectuses, then you open the doors to investors with less than $1MM. Correct?

The next trick, of course, is finding companies that want your money and will be willing to do the extra work.