Platform Performance & Market Dynamics
  • Groundfloor Challenges: The platform experienced significant operational difficulties with loan origination. Many loans I invested in were returned after several weeks, creating a supply shortage that persisted until September. The platform eventually expanded their loan pipeline significantly to meet growing investor demand, and began offering select loans exclusively to accredited investors as an experimental approach.
  • Marketplace Evolution: As the loan shortage continued across multiple platforms, I expanded my research into alternative investment opportunities. This exploration led me to discover promising real estate crowdfunding platforms including RealCrowd, CrowdStreet, and YieldStreet, which offered more diverse investment options.
  • DLI Fund Analysis: The Direct Lending Income Fund maintains a well-diversified portfolio with a 50/50 split between secured and unsecured loans. This structure provides solid high returns with low risk and predictable yields. Given this baseline performance, I’ve revised my strategy for commercial real estate (CRE) investments, recognizing that higher-risk CRE opportunities should deliver at least 5% higher returns than DLI Fund to justify the additional risk. Current market conditions, including rising interest rates, are negatively impacting real estate returns, and I anticipate increased loan delinquency rates in the coming years.
  • iFunding Status: The platform has been inactive since September with no new deals posted, effectively making it a non-viable investment option.
  • YieldStreet Demand: Investment opportunities on YieldStreet sell out extremely rapidly. For example, the Select Litigation Financing I deal launched on Saturday, December 25th at 8 AM EDT was already 90% funded by the time I checked my email at 8 AM PDT. This demonstrates the need for proactive engagement – I should maintain regular communication with their team to prepare for upcoming opportunities.

Realty Mogul Investment Opportunities

Date CoC IRR Term Description
04/05/2016 10.04% 17.57% 30 Pintar Residential Fund
04/07/2016 10.5% 16.2% 84 Chesapeake Landing Apartments
04/26/2016 5.4% 15.1% 120 Downtown Savannah Mixed-Use
05/20/2016 4.5% 15.8% 24 Westchester Apartments
05/23/2016 9.6% 15% 84 Beechmill Apartments
05/27/2016 6.7% – 120 1031 Exchange: Net-Leased Portfolio
06/08/2016 7.9% 18% 120 Mobile Home Park Fund VII
06/10/2016 6.7% 18.1% 60 Buckingham Apartments
06/20/2016 5.5% 13.2% 60 Brooklyn Multi-family
07/07/2016 8.7% 18.7% 36 Woodbridge Townhomes
08/09/2016 10.4% 15.2% 84 Trails at Lakeside
08/29/2016 7.5% N/A 120 1031 Exchange: Bluerock Riverside
09/14/2016 7.4% 17% 36 Ravenwood Apartments
09/20/2016 8% 18.2% 60 Orlando Flex Industrial Portfolio
09/27/2016 7.05% N/A 120 1031 Exchange: Net-Leased Portfolio 13
10/05/2016 10.4% 15.7% 60 City Heights & Montage at North Point
11/10/2016 9.7% 15% 60 Village Fair Apartments
11/26/2016 8.07% N/A 120 1031 Exchange: Austin Multifamily Portfolio DST

iFunding Investment Offerings

Date CoC IRR Term Description
04/04/2016 8.7% 19% 60 Arrow Ridge Apartments
05/25/2016 8% 21% 24 Dania Place Apartments
06/03/2016 8% 18% 84 Golden Pacific Capital Fund
06/20/2016 13% – 12 Kingston Court
07/20/2016 6.5% 12.5% 12 The Ridge at Gainesville
07/22/2016 10% 20% 24 River Club
08/23/2016 6% 12.5% 12 Sorrel Grand Parkway (II)
08/30/2016 8% 20% 10 EVIVA Midtown Follow On
09/12/2016 10% 21% 24 Residence Bellevue
09/23/2016 9% 25% 24 ProudLiving

Groundfloor New Loans

Date Grade Rate Term Description
04/04/2016 D 16% 9 17 West Wright Street, Winder, GA
04/11/2016 B 9.6% 12 5840 Northwest 72nd Way, Parkland, FL
04/16/2016 B 9.6% 12 2193 Harrington Place SW, Atlanta, GA
C 13.4% 12 249 South 55th Street, Philadelphia, PA
04/20/2016 B 9.2% 6 2573 Barge Road SW, Atlanta, GA
C 13.4% 12 861 South 17th Street, Newark, NJ
04/21/2016 C 13.4% 12 6924 Alyssalaine Drive, Richmond, VA
04/29/2016 C 13.4% 9 3221 East Audubon Road, Montgomery, AL
D 16% 12 8325 Daylesford Road, Parkville, MD
05/06/2016 C 13% 6 18046 Breland Drive, Hudson, FL
D 15.6% 6 69 Zion Acres Road, North East, MD
05/18/2016 B 9.6% 12 335 Turrell Avenue, South Orange, NJ
C 13.4% 12 119 Putnam Street, Paterson, NJ
C 13.4% 12 2035 Clairmont Terrace NE, Atlanta, GA
D 15.6% 6 2717 East Madison Street, Baltimore, MD
D 16% 12 2600 Lyndhurst Avenue, Baltimore, MD
05/21/2016 A 7.4% 9 295 North Claybrook Street, Memphis, TN
B 9.6% 12 824 Hillside Avenue, Plainfield, NJ
D 16% 12 2804 Waterway Boulevard, Isle of Palms, SC
05/26/2016 C 13.4% 9 1662 Euclid Avenue, Memphis, TN
06/08/2016 A 7.4% 12 1004 Creel Drive, Moody, AL
B 9.6% 12 1016 Egret Lane, Rockport, TX
D 16% 9 15323 Sunset Drive, Dolton, IL
D 16% 9 79 Marsh Oak Drive, Brunswick, GA
06/17/2016 B 9.6% 12 8035 South Parnell Avenue, Chicago, IL
B 9.6% 12 6640 South Champlain Avenue, Chicago, IL
B 9.6% 12 318 West 75th Street, Chicago, IL
06/22/2016 A 7.4% 12 1646 Westwood Avenue SW, Atlanta, GA
B 9.6% 12 3412 Country Church Road, Montgomery, AL
B 9.6% 12 476 Maynard Terrace SE, Atlanta, GA
D 16% 9 5388 Kirk Drive, Atlanta, GA
D 16% 12 327 Poplar Street, Graham, NC
06/29/2016 A 7.4% 12 2573 Glenwood Avenue SE, Atlanta, GA
B 9.6% 12 1201 Louise Avenue, Charlotte, NC
B 9.6% 12 1052 McLendon Drive, Decatur, GA
07/01/2016 B 9.6% 12 514 Woodpile Road, Prattville, AL
07/02/2016 B 9.6% 12 2282 Friar Road, Macon, GA
07/06/2016 C 13.4% 12 4053 West Oak Drive, Macon, GA
C 13.4% 12 1649 West Garfield Boulevard, Chicago, IL
07/09/2016 B 9.6% 12 765 Elbert Street SW, Atlanta, GA
B 9.6% 12 4133 Orchard Lake Court SE, Atlanta, GA
C 13.4% 9 35 Woodlake Drive, Charlottesville, VA
C 13.4% 12 94825 Overseas Highway, Key Largo, FL
07/14/2016 B 9.6% 12 2997 Stone Mountain Street, Lithonia, GA
07/20/2016 C 13.4% 12 1014 Scott Street, Baltimore, MD
D 16% 12 319 Thomas Dorsey Drive, Villa Rica, GA
D 16% 12 1587 Alder Court SE, Atlanta, GA
07/30/2016 D 16% 12 96 Myrtle Street, Bloomfield, NJ
08/04/2016 B 9.6% 12 7910 West 71st Street, Bridgeview, IL
C 13.4% 12 1431 Elizabeth Lane, East Point, GA
C 13.4% 12 2515 Micliff Boulevard, Houston, TX
08/09/2016 C 13.4% 12 1643 Shamrock Drive, Burlington, NC
C 13.4% 6 2260 Northeast 121st Street, North Miami, FL
D 16% 12 2698 Candler Drive, Marietta, GA
08/10/2016 B 9.6% 12 212 West Volant Street, Hubert, NC
08/12/2016 C 13.4% 12 954 Joseph E. Boone Blvd NW, Atlanta, GA
D 16% 12 1549 Live Oak Drive, Tallahassee, FL
09/01/2016 C 13% 6 2290 North Cochrane Road, Avon Park, FL
C 13.4% 12 3253 Pebble Drive, East Point, GA
C 13.4% 12 2108 Ben Hill Road, East Point, GA
C 13.4% 12 2820 Huffine Mill Road, Gibsonville, NC
D 16% 12 982 Patricia Lane, Crete, IL
10/12/2016 B 9.2% 6 64 Morris Street, East Orange, NJ
B 9.6% 12 231 Webster Avenue, Portsmouth, VA
B 9.6% 12 106 Little Current Lane, Sneads Ferry, NC
C 13.4% 12 213 Greenwood Road, West Columbia, SC
C 16% 12 123 Williams Street, Trion, GA
10/18/2016 A 7.4% 9 772 Brookline Street SW, Atlanta, GA
C 13.4% 12 879 Ormewood Avenue SE, Atlanta, GA
10/25/2016 A 7.0% 6 2205 Walz Drive, Savannah, GA
A 7.4% 9 4107 Belle Avenue, Baltimore, MD
B 9.6% 12 9900 South Paxton Avenue, Chicago, IL
C 13.4% 12 165 Hidden Brook Court, Atlanta, GA
10/31/2016 A 7.4% 12 730 Roswell Avenue, Norfolk, VA
B 9.6% 12 33 Holmes Terrace, Freehold, NJ
C 13.4% 12 389 Glenn Street SW, Atlanta, GA
C 13.4% 12 1654 Poinsettia Avenue, Tarpon Springs, FL
10/31/2016 B 9.6% 12 162 Dream Street, Summerville, SC
C 13.4% 9 978 Pinson Boulevard, Rockledge, FL
C 13.4% 12 701 Lakewood Avenue, Tampa, FL
C 13.4% 12 970 Joseph E Boone Blvd NW, Atlanta, GA
D 16% 12 7739 Adolphus Drive, Fayetteville, NC
11/21/2016* B 9.6% 12 805 S Hillcrest Dr, Colfax, WA
C 13.4% 12 2206 Gardenia Dr, Houston, TX
11/30/2016 B 9.6% 12 411 Cardinal Road, Jacksonville, NC
C 13.4% 12 1465 South Gordon Street SW, Atlanta, GA
11/30/2016 B 9.6% 12 159 Lawton Street, Atlanta, GA
C 13.4% 12 113 Pinecrest Drive, Fayetteville, NC
12/01/2016 C 13.4% 12 22027 Stephens Street, Saint Clair Shores, MI
D 16% 12 5553-5559 Estates Court, Norcross, GA
12/02/2016 B 9.6% 12 147 Lawton Street SW, Atlanta, GA
D 13.4% 12 1215 Broadway Ave, Bremerton, WA
12/03/2016 A 9.6% 12 454 Dunbar Street, Atlanta, GA
C 13.4% 9 5225 Fox Hill Drive NW, Norcross, GA
12/04/2016 C 13.4% 9 2971 Creighton Road, Pensacola, FL
D 16% 12 5642-5648 Estates Court, Norcross, GA
12/05/2016 C 13.4% 12 1484 Springleaf Circle SE, Smyrna, GA
C 13.4% 12 4910 Macleay Road SE, Salem, OR
12/06/2016 C 13.4% 12 217 Surf Road, Melbourne Beach, FL
C 13.4% 12 2 Pinehurst Drive, Caswell Beach, NC
12/07/2016 C 13.4% 12 818-822 Hillside Avenue, Plainfield, NJ
D 16% 12 2628 Pennsylvania Avenue, Dallas, TX
12/08/2016 A 7.4% 12 110 Teal Court, Roswell, GA
C 13.4% 12 908 Duke Street, Georgetown, SC
12/09/2016 B 8% 9 3443 Sable Chase Lane, Atlanta, GA
12/10/2016 A 7.4% 12 1145 Lucile Avenue SW, Atlanta, GA
12/11/2016 B 9.6% 12 2149 Newnan Street, East Point, GA
12/12/2016 D 16% 12 210 Creekwood Lane, Riverdale, GA
12/13/2016 D 16% 12 675 South Grand Avenue NW, Atlanta, GA
12/14/2016 D 16% 12 116 Warwick Street, Park Forest, IL
12/15/2016 C 10.5% 9 4315 Treeline Way, Douglasville, GA
12/16/2016 C 13.4% 12 5564 Edith Street SW, Austell, GA
12/17/2016 B 9.6% 12 6359 Walnut Drive, Pinson, AL
12/18/2016 D 16% 12 127 East Woodland Drive, Sanford, FL
12/19/2016 C 13.4% 12 435 East 50th Street, Chicago, IL
12/24/2016 B 8.5% 12 1004 Lepley Road, Hanahan, SC
C 11% 12 17155 Wisconsin Street, Detroit, MI
D 13.5% 6 3108 San Marcus Avenue, Dallas, TX
D 14% 9 2213 Woodrow Drive, Knoxville, TN
D 14.5% 12 4158 Sun Valley Boulevard, Atlanta, GA
12/31/2016 B 8.5% 12 4205 Solomon Drive, Knoxville, TN
B 9.6% 12 5260 South Landings Drive, Fort Myers, FL
D 16% 12 2642 Lockridge Avenue, Kansas City, MO
12/31/2016* A 5.5% 6 1512 Cape Coral Pkwy, Cape Coral, FL
B 8% 9 480 Morris Dr, Jackson, MI
C 11% 12 6261 Peck Rd, Ravenna, OH
C 11% 12 401 Litchfield St, Bay City, MI
C 13.4% 9 1634 East Aire Libre Avenue, Phoenix, AZ

* open to accredited investors only

YieldStreet Investment Opportunities

Date Amount APR Duration Description
09/21/2016 $1.54M 9% 17 Multi-Use Real Estate Portfolio II
09/23/2016 $1.5M 13% 36 Diversified Pre-Settlement Portfolio X
$1.4M 12% 18 Accelerated Pre-Settlement Portfolio I
10/20/2016 $1.5M 12% 18 Accelerated Pre-Settlement Portfolio II
11/03/2016 $1.51M 13% 36 Diversified Pre-Settlement Portfolio XI
11/22/2016 $1.51M 12% 18 Accelerated Pre-Settlement Portfolio III
11/28/2016 $1.54M 9% 17 Multi-Use Real Estate Portfolio II
12/03/2016 $1.4M 13% 36 Diversified Pre-Settlement Portfolio XII
$2.02M 12% 18 Accelerated Pre-Settlement Portfolio IV
12/16/2016 $1.6M 9% 18 Commercial Real Estate Portfolio I
12/24/2016 $1.22M 16% 24 Select Litigation Financing I
12/25/2016 $1.97M 13% 36 Diversified Pre-Settlement Portfolio XIII