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Investment版 - 没人讨论Patch of land?年回报10~12%
相关主题
有没有做house flipping的同学?求助: 关于 Foreclosure Sale 之后的 Eviction 过程
LC和prosper第一年结果roll over old 401k to IRA
fundrise怎么样?请教关于convert to Roth IRA
谁有兴趣做passive income投资,我有项目, 找投资人401k 可以随时rollover到IRA吗??
拿CASH等抄底的进来聊聊. (转载)请教如何买到那些便宜的房子
买了破产房后怎么修?那种Municipal Bond可以免FED或加洲税呀?
讨论一下trust如何将traditional IRA中的钱转到401k
IRA rollover需要IRS批准?请问401kRollover需要填W9表吗?
相关话题的讨论汇总
话题: pol话题: patch话题: land话题: borrower话题: lc
进入Investment版参与讨论
1 (共1页)
s*********0
发帖数: 2045
1
Crowd-fund房地产,506c类型的Debt offering,借钱给人flip房子或者出租房子,回
报不错啊。这里没人考虑吗?
优点:
- Min $5000一个房子,便于diversify;
- 短期12个月,比较liquid;
- Hard money lending回报一向挺高;
- POL自己underwrite,prefund,等于他拿自己钱先贷出去,用这个贷款来crowd-fund
,风险应该比lending club这种要小一点;
- 不像其他网站你出钱买的是一个llc的equity,POL在这里是唯一的issuer,年底给你
一张总的1099-INT,报税方便,没有K-1的烦恼。
缺点
- 虽然现在没有风险(所有项目没有一个default,算优点其实),将来不知道;
- 要accredited investor status
l*******r
发帖数: 328
2
你自己考慮了沒?

fund

【在 s*********0 的大作中提到】
: Crowd-fund房地产,506c类型的Debt offering,借钱给人flip房子或者出租房子,回
: 报不错啊。这里没人考虑吗?
: 优点:
: - Min $5000一个房子,便于diversify;
: - 短期12个月,比较liquid;
: - Hard money lending回报一向挺高;
: - POL自己underwrite,prefund,等于他拿自己钱先贷出去,用这个贷款来crowd-fund
: ,风险应该比lending club这种要小一点;
: - 不像其他网站你出钱买的是一个llc的equity,POL在这里是唯一的issuer,年底给你
: 一张总的1099-INT,报税方便,没有K-1的烦恼。

s*********0
发帖数: 2045
3
我刚开始,投了两个试试水,太早了还没开始收到回报(月初分红)。

【在 l*******r 的大作中提到】
: 你自己考慮了沒?
:
: fund

w***n
发帖数: 1519
4
你比POL他们自己都乐观啊:
Min $5000显然不能算便于diversify吧?
According to POL, "Is there an exit strategy if I need to cash out my
investment?
No. Real estate investments have a longer-term time horizon than that of
highly liquid stocks or cash instruments..."
fund
我对LC的风险有保留意见,不过POL的风险我认为比LC还要大得多。LC的借款拿去修游
泳池虽然荒唐,只要他不丢工作,还钱的可能还是很大的。借高利贷去炒房的,你得祈
祷他能还上。
POL是到期了才能拿回本金,这也比LC要差。
fund
l*******r
发帖数: 328
5
其他都同意,但是我覺得pol 風險小,原因是borrower 有現金投資。假設borrower 同
時向lc 和pol 借錢,但只夠還 其中之一,你覺得他會選擇哪一個?default lc 只賠
credit, default pol 賠錢又賠credit ,對吧?
s*********0
发帖数: 2045
6
LC风险更大吧。LC是unsecured loan,人家从一开始就default你一点办法都没,本都
收不回来。
POL是first deed secured,而且LTV都是小于80%,flip房子的Loan to as-is Value也
小于100%。最差情况下default了不会出现跑路,至少POL可以把房子拿来卖掉,本金多
少能拿回来一点。
w***n
发帖数: 1519
7
LC 每个note可以是25块钱,你很容易分散风险;每个月收到的还款有本金有利息,一
方面减少万一default的损失,一方面提高资金的利用率;也许有部分人是借钱去炒房
了,但很多都并不是那样,有的只是consolidate一下debt,对他将来还款能力是有帮
助的;你如果改主意了,虽然费点周折,可以把手里的notes转卖。
POL的note,从一开始你就知道借出去的钱是拿去做高风险投机的。5000块钱一下子都
借给同一个项目,一套进去就是一年,中间只能拿到利息,利息不够再投资。
起码经历一个加息周期才能真正理解pol的风险。现在才funded 104个项目,一个
default都没有,收益率12%。LC你如果刚开始没有default的时候,收益很容易比这强。

【在 l*******r 的大作中提到】
: 其他都同意,但是我覺得pol 風險小,原因是borrower 有現金投資。假設borrower 同
: 時向lc 和pol 借錢,但只夠還 其中之一,你覺得他會選擇哪一個?default lc 只賠
: credit, default pol 賠錢又賠credit ,對吧?

l*******r
发帖数: 328
8
pol 的確是風險分散,以前做一個loan $100k, 現在$100k可以分成20個loan。
另外pol原本就是給net worth大於$1m 的人投資。
這也不是新行業,有些人都做幾十年了。
h******n
发帖数: 106
9
风险是有的。下面这篇文章有讲。
http://www.crowdfundinsider.com/2014/09/48537-investor-protecti
这个主要看项目。房地产市场好的时候皆大欢喜。
主要风险是default. 房地产市场不景气的时候才看的出风险。

fund

【在 s*********0 的大作中提到】
: Crowd-fund房地产,506c类型的Debt offering,借钱给人flip房子或者出租房子,回
: 报不错啊。这里没人考虑吗?
: 优点:
: - Min $5000一个房子,便于diversify;
: - 短期12个月,比较liquid;
: - Hard money lending回报一向挺高;
: - POL自己underwrite,prefund,等于他拿自己钱先贷出去,用这个贷款来crowd-fund
: ,风险应该比lending club这种要小一点;
: - 不像其他网站你出钱买的是一个llc的equity,POL在这里是唯一的issuer,年底给你
: 一张总的1099-INT,报税方便,没有K-1的烦恼。

s*********0
发帖数: 2045
10
确实。$5k一个RE loan,赔了也是一小笔。
不过6月19号Regulation A+生效,所有人都可以参加crowdfunding RE,没有
accredited限制了,到时候更热闹。

【在 l*******r 的大作中提到】
: pol 的確是風險分散,以前做一個loan $100k, 現在$100k可以分成20個loan。
: 另外pol原本就是給net worth大於$1m 的人投資。
: 這也不是新行業,有些人都做幾十年了。

相关主题
买了破产房后怎么修?求助: 关于 Foreclosure Sale 之后的 Eviction 过程
讨论一下trustroll over old 401k to IRA
IRA rollover需要IRS批准?请教关于convert to Roth IRA
进入Investment版参与讨论
h******n
发帖数: 106
11
搞了一个试试。
你有试过别的网站吗?例如 Realty Mogul.

【在 s*********0 的大作中提到】
: 我刚开始,投了两个试试水,太早了还没开始收到回报(月初分红)。
s*********0
发帖数: 2045
12
那些(包括fundrise, realtyshare)都是equity offering,不敢碰。你买的都是一个
LLC的一个share,到年底给你一个K-1然后报税会巨复杂:
http://www.realtyshares.com/blog/state-tax-issues-for-real-esta
上面的blog如果你看得头大的话还是建议只搞POL。
P家是debt offering,相当于买债券,收益年底给你一个1099-INT,不管几个
investment都表现在一张1099上,很好报税。

【在 h******n 的大作中提到】
: 搞了一个试试。
: 你有试过别的网站吗?例如 Realty Mogul.

h******b
发帖数: 6055
13
这个比lc强,如果你有5000x100以上的话。毕竟是有实际地皮抵押。
l*******r
发帖数: 328
14
有道理, tax也是一個考量

【在 s*********0 的大作中提到】
: 那些(包括fundrise, realtyshare)都是equity offering,不敢碰。你买的都是一个
: LLC的一个share,到年底给你一个K-1然后报税会巨复杂:
: http://www.realtyshares.com/blog/state-tax-issues-for-real-esta
: 上面的blog如果你看得头大的话还是建议只搞POL。
: P家是debt offering,相当于买债券,收益年底给你一个1099-INT,不管几个
: investment都表现在一张1099上,很好报税。

o*********l
发帖数: 1807
15
这是不对的assumption, 你借钱给POL,他们给你note可是破产发生,这些都是POL
asset.是要按照法律程序先卖掉赔银行,creditor到后面才是debt.我只能说这是一个
灰色地带,应为还没有crowdfunding爆掉不知道法庭会怎么判。

【在 s*********0 的大作中提到】
: 那些(包括fundrise, realtyshare)都是equity offering,不敢碰。你买的都是一个
: LLC的一个share,到年底给你一个K-1然后报税会巨复杂:
: http://www.realtyshares.com/blog/state-tax-issues-for-real-esta
: 上面的blog如果你看得头大的话还是建议只搞POL。
: P家是debt offering,相当于买债券,收益年底给你一个1099-INT,不管几个
: investment都表现在一张1099上,很好报税。

s*********0
发帖数: 2045
16
No longer 灰色地带。今天的announcement解释了POL如果破产以后怎么办,基本消除
了你说的问题。基本上从今天以后你买的note不再是POL asset:
Patch of Land Introduces New Offering Structure
Hello Investors,
Today we are happy to inform you that Patch of Land has created a new
offering structure that will provide increased protection for all projects
offered after Monday, June 1, 2015.
Last September, Patch of Land announced that we were working on a new and
improved legal structure to provide more protection for our investors. We
asked you, our loyal investors (and for some of you, part owners) for your
comments, and many wrote in with ideas, suggestions, and requests. We took
all your comments, went back to the drawing board, and devoted considerable
time and thought in revamping our investment product, which we’re delighted
to present to you today.
While the platform will still offer investors borrower payment dependent
notes (which means 1099s), we’ve taken steps to increase investor
confidence and security in our new offering. Here are the main highlights:
Bankruptcy-remote design: All new offerings will be issued from one or more
special purpose entities (SPE) designed to be bankruptcy remote. SPEs are
business entities formed in a manner designed to minimize the risk of
becoming a debtor is a bankruptcy case. This means that if something happens
to Patch of Land, Inc., the SPE is designed so that its obligations are
secure even in the event of the bankruptcy of Patch of Land, Inc. Except in
certain cases, all borrower notes and investor notes will be held by one SPE.
Indenture Trustee: We’ve signed an agreement with an indenture trustee that
steps into our shoes should an event of default ever occur. They will make
distributions to investors should we ever file for bankruptcy, dissolve, or
have some other event of default.
Secured Investment: All of our offerings will now be directly secured as to
a pledge of collateral only as to the underlying borrower note, mortgage and
related cash flows to the trustee. To be clear, the collateral is not
pledged directly to an investor as a holder of the borrower payment
dependent note, but is instead pledged to an indenture trustee under which
investors benefit as a note holder.
Perfection of Security Interest: In order to perfect our investors’
security interest and ensure the priority of that perfected security
interest, the secured party must take possession of the promissory note.
Therefore, a trustee will take and maintain possession of the borrower note.
Public Notice: And lastly, to perfect the security interest and put third
parties on notice, we have filed a UCC-1 that puts any potential third party
creditors on notice that the underlying borrower loans have been pledged to
the trustee for the benefit of investors.

【在 o*********l 的大作中提到】
: 这是不对的assumption, 你借钱给POL,他们给你note可是破产发生,这些都是POL
: asset.是要按照法律程序先卖掉赔银行,creditor到后面才是debt.我只能说这是一个
: 灰色地带,应为还没有crowdfunding爆掉不知道法庭会怎么判。

s*********0
发帖数: 2045
17
Crowd-fund房地产,506c类型的Debt offering,借钱给人flip房子或者出租房子,回
报不错啊。这里没人考虑吗?
优点:
- Min $5000一个房子,便于diversify;
- 短期12个月,比较liquid;
- Hard money lending回报一向挺高;
- POL自己underwrite,prefund,等于他拿自己钱先贷出去,用这个贷款来crowd-fund
,风险应该比lending club这种要小一点;
- 不像其他网站你出钱买的是一个llc的equity,POL在这里是唯一的issuer,年底给你
一张总的1099-INT,报税方便,没有K-1的烦恼。
缺点
- 虽然现在没有风险(所有项目没有一个default,算优点其实),将来不知道;
- 要accredited investor status
l*******r
发帖数: 328
18
你自己考慮了沒?

fund

【在 s*********0 的大作中提到】
: Crowd-fund房地产,506c类型的Debt offering,借钱给人flip房子或者出租房子,回
: 报不错啊。这里没人考虑吗?
: 优点:
: - Min $5000一个房子,便于diversify;
: - 短期12个月,比较liquid;
: - Hard money lending回报一向挺高;
: - POL自己underwrite,prefund,等于他拿自己钱先贷出去,用这个贷款来crowd-fund
: ,风险应该比lending club这种要小一点;
: - 不像其他网站你出钱买的是一个llc的equity,POL在这里是唯一的issuer,年底给你
: 一张总的1099-INT,报税方便,没有K-1的烦恼。

s*********0
发帖数: 2045
19
我刚开始,投了两个试试水,太早了还没开始收到回报(月初分红)。

【在 l*******r 的大作中提到】
: 你自己考慮了沒?
:
: fund

w***n
发帖数: 1519
20
你比POL他们自己都乐观啊:
Min $5000显然不能算便于diversify吧?
According to POL, "Is there an exit strategy if I need to cash out my
investment?
No. Real estate investments have a longer-term time horizon than that of
highly liquid stocks or cash instruments..."
fund
我对LC的风险有保留意见,不过POL的风险我认为比LC还要大得多。LC的借款拿去修游
泳池虽然荒唐,只要他不丢工作,还钱的可能还是很大的。借高利贷去炒房的,你得祈
祷他能还上。
POL是到期了才能拿回本金,这也比LC要差。
fund
相关主题
401k 可以随时rollover到IRA吗??如何将traditional IRA中的钱转到401k
请教如何买到那些便宜的房子请问401kRollover需要填W9表吗?
那种Municipal Bond可以免FED或加洲税呀?IRA rollover一年只能一次?
进入Investment版参与讨论
l*******r
发帖数: 328
21
其他都同意,但是我覺得pol 風險小,原因是borrower 有現金投資。假設borrower 同
時向lc 和pol 借錢,但只夠還 其中之一,你覺得他會選擇哪一個?default lc 只賠
credit, default pol 賠錢又賠credit ,對吧?
s*********0
发帖数: 2045
22
LC风险更大吧。LC是unsecured loan,人家从一开始就default你一点办法都没,本都
收不回来。
POL是first deed secured,而且LTV都是小于80%,flip房子的Loan to as-is Value也
小于100%。最差情况下default了不会出现跑路,至少POL可以把房子拿来卖掉,本金多
少能拿回来一点。
w***n
发帖数: 1519
23
LC 每个note可以是25块钱,你很容易分散风险;每个月收到的还款有本金有利息,一
方面减少万一default的损失,一方面提高资金的利用率;也许有部分人是借钱去炒房
了,但很多都并不是那样,有的只是consolidate一下debt,对他将来还款能力是有帮
助的;你如果改主意了,虽然费点周折,可以把手里的notes转卖。
POL的note,从一开始你就知道借出去的钱是拿去做高风险投机的。5000块钱一下子都
借给同一个项目,一套进去就是一年,中间只能拿到利息,利息不够再投资。
起码经历一个加息周期才能真正理解pol的风险。现在才funded 104个项目,一个
default都没有,收益率12%。LC你如果刚开始没有default的时候,收益很容易比这强。

【在 l*******r 的大作中提到】
: 其他都同意,但是我覺得pol 風險小,原因是borrower 有現金投資。假設borrower 同
: 時向lc 和pol 借錢,但只夠還 其中之一,你覺得他會選擇哪一個?default lc 只賠
: credit, default pol 賠錢又賠credit ,對吧?

l*******r
发帖数: 328
24
pol 的確是風險分散,以前做一個loan $100k, 現在$100k可以分成20個loan。
另外pol原本就是給net worth大於$1m 的人投資。
這也不是新行業,有些人都做幾十年了。
h******n
发帖数: 106
25
风险是有的。下面这篇文章有讲。
http://www.crowdfundinsider.com/2014/09/48537-investor-protecti
这个主要看项目。房地产市场好的时候皆大欢喜。
主要风险是default. 房地产市场不景气的时候才看的出风险。

fund

【在 s*********0 的大作中提到】
: Crowd-fund房地产,506c类型的Debt offering,借钱给人flip房子或者出租房子,回
: 报不错啊。这里没人考虑吗?
: 优点:
: - Min $5000一个房子,便于diversify;
: - 短期12个月,比较liquid;
: - Hard money lending回报一向挺高;
: - POL自己underwrite,prefund,等于他拿自己钱先贷出去,用这个贷款来crowd-fund
: ,风险应该比lending club这种要小一点;
: - 不像其他网站你出钱买的是一个llc的equity,POL在这里是唯一的issuer,年底给你
: 一张总的1099-INT,报税方便,没有K-1的烦恼。

s*********0
发帖数: 2045
26
确实。$5k一个RE loan,赔了也是一小笔。
不过6月19号Regulation A+生效,所有人都可以参加crowdfunding RE,没有
accredited限制了,到时候更热闹。

【在 l*******r 的大作中提到】
: pol 的確是風險分散,以前做一個loan $100k, 現在$100k可以分成20個loan。
: 另外pol原本就是給net worth大於$1m 的人投資。
: 這也不是新行業,有些人都做幾十年了。

h******n
发帖数: 106
27
搞了一个试试。
你有试过别的网站吗?例如 Realty Mogul.

【在 s*********0 的大作中提到】
: 我刚开始,投了两个试试水,太早了还没开始收到回报(月初分红)。
s*********0
发帖数: 2045
28
那些(包括fundrise, realtyshare)都是equity offering,不敢碰。你买的都是一个
LLC的一个share,到年底给你一个K-1然后报税会巨复杂:
http://www.realtyshares.com/blog/state-tax-issues-for-real-esta
上面的blog如果你看得头大的话还是建议只搞POL。
P家是debt offering,相当于买债券,收益年底给你一个1099-INT,不管几个
investment都表现在一张1099上,很好报税。

【在 h******n 的大作中提到】
: 搞了一个试试。
: 你有试过别的网站吗?例如 Realty Mogul.

h******b
发帖数: 6055
29
这个比lc强,如果你有5000x100以上的话。毕竟是有实际地皮抵押。
l*******r
发帖数: 328
30
有道理, tax也是一個考量

【在 s*********0 的大作中提到】
: 那些(包括fundrise, realtyshare)都是equity offering,不敢碰。你买的都是一个
: LLC的一个share,到年底给你一个K-1然后报税会巨复杂:
: http://www.realtyshares.com/blog/state-tax-issues-for-real-esta
: 上面的blog如果你看得头大的话还是建议只搞POL。
: P家是debt offering,相当于买债券,收益年底给你一个1099-INT,不管几个
: investment都表现在一张1099上,很好报税。

相关主题
问一个 backdoor roth conversion 的问题LC和prosper第一年结果
after tax 401k有人研究过吗fundrise怎么样?
有没有做house flipping的同学?谁有兴趣做passive income投资,我有项目, 找投资人
进入Investment版参与讨论
o*********l
发帖数: 1807
31
这是不对的assumption, 你借钱给POL,他们给你note可是破产发生,这些都是POL
asset.是要按照法律程序先卖掉赔银行,creditor到后面才是debt.我只能说这是一个
灰色地带,应为还没有crowdfunding爆掉不知道法庭会怎么判。

【在 s*********0 的大作中提到】
: 那些(包括fundrise, realtyshare)都是equity offering,不敢碰。你买的都是一个
: LLC的一个share,到年底给你一个K-1然后报税会巨复杂:
: http://www.realtyshares.com/blog/state-tax-issues-for-real-esta
: 上面的blog如果你看得头大的话还是建议只搞POL。
: P家是debt offering,相当于买债券,收益年底给你一个1099-INT,不管几个
: investment都表现在一张1099上,很好报税。

s*********0
发帖数: 2045
32
No longer 灰色地带。今天的announcement解释了POL如果破产以后怎么办,基本消除
了你说的问题。基本上从今天以后你买的note不再是POL asset:
Patch of Land Introduces New Offering Structure
Hello Investors,
Today we are happy to inform you that Patch of Land has created a new
offering structure that will provide increased protection for all projects
offered after Monday, June 1, 2015.
Last September, Patch of Land announced that we were working on a new and
improved legal structure to provide more protection for our investors. We
asked you, our loyal investors (and for some of you, part owners) for your
comments, and many wrote in with ideas, suggestions, and requests. We took
all your comments, went back to the drawing board, and devoted considerable
time and thought in revamping our investment product, which we’re delighted
to present to you today.
While the platform will still offer investors borrower payment dependent
notes (which means 1099s), we’ve taken steps to increase investor
confidence and security in our new offering. Here are the main highlights:
Bankruptcy-remote design: All new offerings will be issued from one or more
special purpose entities (SPE) designed to be bankruptcy remote. SPEs are
business entities formed in a manner designed to minimize the risk of
becoming a debtor is a bankruptcy case. This means that if something happens
to Patch of Land, Inc., the SPE is designed so that its obligations are
secure even in the event of the bankruptcy of Patch of Land, Inc. Except in
certain cases, all borrower notes and investor notes will be held by one SPE.
Indenture Trustee: We’ve signed an agreement with an indenture trustee that
steps into our shoes should an event of default ever occur. They will make
distributions to investors should we ever file for bankruptcy, dissolve, or
have some other event of default.
Secured Investment: All of our offerings will now be directly secured as to
a pledge of collateral only as to the underlying borrower note, mortgage and
related cash flows to the trustee. To be clear, the collateral is not
pledged directly to an investor as a holder of the borrower payment
dependent note, but is instead pledged to an indenture trustee under which
investors benefit as a note holder.
Perfection of Security Interest: In order to perfect our investors’
security interest and ensure the priority of that perfected security
interest, the secured party must take possession of the promissory note.
Therefore, a trustee will take and maintain possession of the borrower note.
Public Notice: And lastly, to perfect the security interest and put third
parties on notice, we have filed a UCC-1 that puts any potential third party
creditors on notice that the underlying borrower loans have been pledged to
the trustee for the benefit of investors.

【在 o*********l 的大作中提到】
: 这是不对的assumption, 你借钱给POL,他们给你note可是破产发生,这些都是POL
: asset.是要按照法律程序先卖掉赔银行,creditor到后面才是debt.我只能说这是一个
: 灰色地带,应为还没有crowdfunding爆掉不知道法庭会怎么判。

c******z
发帖数: 1230
33
呼唤LZ,可以回来更新一下投资的情况吗?谢谢!
h******n
发帖数: 106
34
I am not LZ. After I saw this post, I gradually invested 15 loans (average
11%) at Patch of Land. 7 loans were paid off early and 8 was not due yet.
So far so good.
However recently I feel the quality of the loan is not as good as before and
the rate is also lower (only 8% or 10%). Thus I did not invest much at POL
for a while.
Instead I signed up at some other sites: realty mogul, realty shares,
Fundrise. They offer both loan and equity.
This gave me more choices. I invested 2 loans each at realty mogul and
realty shares. No result yet since the due date is far away.
All of them are loan except one equity for apartment.
The economy is slowing down so it is safer to be conservative.
Don't invest if there is no good one.
I stay away from the following:
high end house
High LTV or ARV
Borrow more than the purchase price (due to repair cost)

【在 c******z 的大作中提到】
: 呼唤LZ,可以回来更新一下投资的情况吗?谢谢!
z**********3
发帖数: 11979
35

and
thanks for your valued information
please update it when you got time

【在 h******n 的大作中提到】
: I am not LZ. After I saw this post, I gradually invested 15 loans (average
: 11%) at Patch of Land. 7 loans were paid off early and 8 was not due yet.
: So far so good.
: However recently I feel the quality of the loan is not as good as before and
: the rate is also lower (only 8% or 10%). Thus I did not invest much at POL
: for a while.
: Instead I signed up at some other sites: realty mogul, realty shares,
: Fundrise. They offer both loan and equity.
: This gave me more choices. I invested 2 loans each at realty mogul and
: realty shares. No result yet since the due date is far away.

h******n
发帖数: 106
36
More details. Hope it helps.
The rate is for 1 year. If paid off early, you get less:
rate x # of days / 365
LTV is for house does not need repair.
ARV is for house needs repair.
2015 POL
Paid off early (7), 10.25% - 11.5%:
CA: 71% ARV, 70% ARV
DC: 69% ARV
Denver: 78% LTV, 80% LTV
NJ: 62% ARV, 65% ARV
Active (6), 11% - 12.5%:
FL: 75% LTV
NY: 65% ARV, 78% ARV (too high, I will stay away if I see it today)
TN: 75% LTV, 73% ARV (too high)
CA: 69% ARV
2016
POL (2)
Seattle: 75% LTV, 11%
NC: 65% LTV, 8%
Realty Mogul (1)
NJ: 64% ARV, 10.5%
Realty Shares (2)
FL: 65% ARV, 9%
CA: multi-family, 5 year equity

【在 z**********3 的大作中提到】
:
: and
: thanks for your valued information
: please update it when you got time

s*********0
发帖数: 2045
37
我是LZ, 投了五个12month的note,其中3个已经到12个月,现在来总结一下:
1. Rental property,提前付清;
2. Flipper, 到期没卖掉,extend了6个月利息照付;
3. flipper,本来一月份到期上市,结果水管冻裂要到3月份上市,现在申请延期;
4. Rental还没到期,但是被告知有一个Law suit把PoL作为senior lien holder也告进
去了;
5. Flipper,夏天到期,现在进度还行。
总之都不是那么一帆风顺的项目,回报也没那么好(提前还清减少了总回报)。我在另
一家更大的Fundrise也投过,但是Fundrise现在自己走回头路搞REIT了,我觉得crowd
funding RE可能就这么回事。

【在 c******z 的大作中提到】
: 呼唤LZ,可以回来更新一下投资的情况吗?谢谢!
c******z
发帖数: 1230
38
呼唤LZ,可以回来更新一下投资的情况吗?谢谢!
h******n
发帖数: 106
39
I am not LZ. After I saw this post, I gradually invested 15 loans (average
11%) at Patch of Land. 7 loans were paid off early and 8 was not due yet.
So far so good.
However recently I feel the quality of the loan is not as good as before and
the rate is also lower (only 8% or 10%).
I signed up at some other sites: realty mogul, realty shares,
Fundrise. They offer both loan and equity. All of them are VC backed sites.
Now I choose from all the sites. I invested 1 loan at realty mogul (10%),
1 loan at realty shares (9%) and 1 equity for apartment.
No result yet since the due date is far away.
The economy is slowing down so it is safer to be conservative.
Don't invest if there is no good one.
I stay away from the following:
high end house
High LTV or ARV
Borrow more than the purchase price (due to repair cost)
POL used to offer the highest rate (11%, 12%) and they pre-fund the deal.
Now their rate (~10%) is on par with other sites: realty mogul (10%), realty
shares (9%). Realty shares also offer secondary loan (>= 14%) but that is
very
risky if real estate market cools down.

【在 c******z 的大作中提到】
: 呼唤LZ,可以回来更新一下投资的情况吗?谢谢!
z**********3
发帖数: 11979
40

and
thanks for your valued information
please update it when you got time

【在 h******n 的大作中提到】
: I am not LZ. After I saw this post, I gradually invested 15 loans (average
: 11%) at Patch of Land. 7 loans were paid off early and 8 was not due yet.
: So far so good.
: However recently I feel the quality of the loan is not as good as before and
: the rate is also lower (only 8% or 10%).
: I signed up at some other sites: realty mogul, realty shares,
: Fundrise. They offer both loan and equity. All of them are VC backed sites.
: Now I choose from all the sites. I invested 1 loan at realty mogul (10%),
: 1 loan at realty shares (9%) and 1 equity for apartment.
: No result yet since the due date is far away.

相关主题
谁有兴趣做passive income投资,我有项目, 找投资人讨论一下trust
拿CASH等抄底的进来聊聊. (转载)IRA rollover需要IRS批准?
买了破产房后怎么修?求助: 关于 Foreclosure Sale 之后的 Eviction 过程
进入Investment版参与讨论
s*********0
发帖数: 2045
41
我是LZ, 投了五个12month的note,其中3个已经到12个月,现在来总结一下:
1. Rental property,提前付清;
2. Flipper, 到期没卖掉,extend了6个月利息照付;
3. flipper,本来一月份到期上市,结果水管冻裂要到3月份上市,现在申请延期;
4. Rental还没到期,但是被告知有一个Law suit把PoL作为senior lien holder也告进
去了;
5. Flipper,夏天到期,现在进度还行。
总之都不是那么一帆风顺的项目,回报也没那么好(提前还清减少了总回报)。我在另
一家更大的Fundrise也投过,但是Fundrise现在自己走回头路搞REIT了,我觉得crowd
funding RE可能就这么回事。

【在 c******z 的大作中提到】
: 呼唤LZ,可以回来更新一下投资的情况吗?谢谢!
h******n
发帖数: 106
42
An update:
There is one missed payment in March of the remaining 8.
I also saw someone's post at www.biggerpockets.com
He had three loans defaulted (out of 21).
There is risk there for sure. Do your own homework carefully.
1 (共1页)
进入Investment版参与讨论
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问一个 backdoor roth conversion 的问题讨论一下trust
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话题: pol话题: patch话题: land话题: borrower话题: lc