Why? Many of the same reasons. But mostly, because I am retired and was trying to live off the interest from bank FDs -- which was OK until interest rates started dropping. I still have FDs of 4.5 and 5.5 % until next year, so am starting to build up a portfolio of LC loans to test whether this would be a reasonable, reliable, way to fund the rest of my retirement. Thus, I am focused on more conservative LC loans that will suffice my income needs. No real need to increase capital. So,

1. Income to live on in a low-interest environment

is about the only reason.