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Topics - Houstoncory

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I just hit 20k total of notes with LR and Im now being active rebalanced.

I logged into my LendingClub account and noticed that about 90% of my notes are now for sale, almost all at a markup.

Its interesting to see this, I figured Id have maybe a few dozen for sale, but it looks like LR strategy is to list all notes with a 2-5% markup to increase returns.

I like the concept, this could work out well, but it will be interesting to see how well it works.

"Borrower has changed draft date" OR "Borrower will be mailing payment"

Ive noticed that whenever either of these two things are noted on the account, there is a very high chance of payment being missed on the next draft date.

So, browsing some 16-30 day late notes Ive noticed there are a decent number of notes that have only 1-5 more payments left.
With those notes being so close to being paid off, whats the point of trying to sell a late note when there is little to no principal left?

Is the seller thinking there is little return left because of the minimal principal, and or that collection fees might eat up interest?

PeerCube / For lending ideas, why only 10 notes displayed at a time?
« on: June 29, 2016, 12:21:24 AM »
When logged into peer cube and looking over the "return maximizer" and other filters why can we only see 10 notes at a time? We should have the ability to see more at once!


So, Ive been investing now with LendingClub for a few months and love it.

I have loans that have been purchased:

Through FolioFn
Through the automated investing at LC
Through Peercube
Through Lendingrobot

Is there an easy way for me to keep track of these notes and their original source, to track performance/defaults, etc?

Ie, which notes came through peercube, lendingrobot, etc?


LendingRobot / Returns with LendingRobot proven?
« on: June 22, 2016, 11:39:44 AM »
Has anyone found the LendingRobot returns to be better than just letting LendingClub do the automated investing?

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