Notes: I've weighted your purchase of new loans based on the dates you've previously given for when defaults started.
I've distributed your returns based on various assumptions i.e. early paybacks, interest etc. I'd suggest you plug in the real values if you have them and see what difference it makes. $2400 dollars go in, $2240 come out with $461 remaining.
Attachment 8981
The 18.5% does not reflect losses due to fee's and taxes, which would reduce it significantly.
Small changes to when you received returns and purchased new loans could make significant differences.
I'm only working with what I can get from the info you've supplied, so I'd suggest you use 'real' values to get an accurate figure. Hopefully I've not overlooked anything, but I may have?