Just doing some monthly numbers so thought I'd put up some data as it's always good to compare against others.

This represents around 18 months of investing $100K, no withdraws, 2,229 total loans.
The charge off value may look high to some, however it only represents 1.6% defaults (on loan count, almost the same in value). My return calculation, after tax (10.5% + deductions) is 15.52% based on current value.

I think I may now be over the 'default' hump (i.e. in year two defaults begin to reduce) as I'm seeing my RAR creep upwards ever so slowly. Time will tell - hopefully in another 6 months those older loans will start to outweigh the new defaults (note ~80% of my loans are 5 year loans).

Position.jpg

Summary.jpg

I have another loan set running at 14.84% RAR with more C's, less D's and less E's, so having the balance pretty much in the middle, seems to be working for me. I'd like to pick up some more D's and E's, but they just aren't available.