Quote Originally Posted by Harvey Specter View Post
Less than 10% is my guess at what my RAR would have been if the new fees had been in since the start. Probably reflects in part my high write offs.

Not sure why my write offs have been so high. But when you find out you don't understand an investment like you thought you did, time to get out.
Possibly not diversified enough? My rule of thumb is at least 200 loans for each grade - the more the better. I don't do E's or F's but would be wanting more like 300 of each if I did as the higher the risk the higher the volatility.