I haven't been invested very long (17 months), nor have I invested very much (below), but by carefully selecting the notes I buy, I've got a pretty nice ROI so far, so I'm curious how my portfolio will play out over the next year (the time when most defaults occur). I HAVE had one refinance payoff, which was bittersweet as the note was a performer, but since I joined LC in order to help others get out of bad credit debt, it's also a victory.
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