Three Months in:

Invested: $88,375.00
Loans: 967
Avg. Loan Size: $91.39
Auto-Lends: 288
Avg. Interest: 22.77% (Weighted)
Avg. Exp. Return: 15.73% (Weighted less Default+Fees+Tax)

Expected Monthly Return to deal with: $2,410.86 (Principal + Interest : excludes payoffs)
XIRR.: 17.18% (stable - see graph)
Interest Paid to date: $1,299.00

Another week or two and I should be all in for $100K.

Current default write off $95.83 (I write off at 60+days - two $50 loans, a D4 and an E3).

chart-risk.png chart-term.png
Split and term.

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Detailed risk grades - I've dropped off B3 from my Auto-Lend criteria to bring it down - not sure if this is a result of volume of B3's or some bias on Auto-Lend or me...

chart-xirr.png
Interesting XIRR chart over time, clearly shows why RAR is not provided until after 90 days. I'm just past 90 days now - shouldn't be to far away from getting one from Harmoney.

I'm working on a loss of 2% pa due to defaults (a little higher than what I expect it to be). Will be interesting to see how that goes...