Summary

  • Groundfloor struggled to offer new loans. Many loans I invested in came back after a couple weeks. Investors experienced a supply shortage until September when they expanded loan pipeline significantly to catch up with the growing investor demand. They also made few loans available to accredited investors only for experiment.
  • As the loan shortage continued, I started exploring alternative investment options. My research led me to some of the real estate crowdfunding platforms such as RealCrowd, CrowdStreet, and YieldStreet.
  • DLI Fund has a well-diversified portfolio of 50/50 secured and unsecured loans. It’s an investment with a solid high return, low risk, and predictable yields. Higher-risk investments such as commercial real estate should have at least 5% higher returns than DLI Fund. I am revisiting my strategy for CRE investments. Higher interest rates spoil real estate returns. The loan delinquency rate may increase in the coming years.
  • iFunding hasn’t posted new deals since September. This platform is pretty much dead.
  • YieldStreet deals sell out very fast. Select Litigation Financing I was launched Saturday, December 25th, at 8 AM EDT. By the time I checked my email at 8 AM PDT, it was already 90% funded. I should call them periodically to prepare ahead.

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