Quote Originally Posted by Investor View Post
Correct. The analysis was not very calculated.
Not so. I have calculated the actual return that I get on every repaid loan using the number of days that the loan was outstanding after deducting the service fees. The only time that there is any significant difference is when the borrower pays off more heavily during the earlier part of the loan rather than a regular monthly payment. The length of time that a loan is outstanding does not make any difference when regular payments are made.