Hey everyone, Justin here from Santa Barbara, CA. I recently got into p2p lending to try to make a few $ like everyone else. Thank you Peter for all of the great information, it has been really helpful. I have a unique situation right now and am available to anyone interested for either information or for an investment. I currently own two properties in Santa Barbara, CA that I am trying to refinance but can't due to the LTV not matching what the bank wants. Both properties have adjustable loans on them and I need to refi into fixed loans before rates go up. It has been stressful due to the market crash but I live in a high $ area with high rents. I am currently looking for a personal loan so that I can give the money directly to the bank which would bring my LTV in line and allow me to refi. The conundrum I now face is that the interest rates on the adjustable loans are 3%. Super cheap money for sure but it will go up in the future....tick,tock. I have been trying to make money on money on money to get the #'s where I need them for the refi. I am a 13+ year firefighter in Santa Barbara with a credit score of 815 and no debt other than the house loans. I have never been late on any payment ever to anyone and am super trustworthy. I decided to put this info up here because I have read a few posts with people speculating on others situations with high credit scores( go get a loan at a credit union, I must not be financially savvy, etc.) the problem is the rates offered. I am looking for a personal loan but I am also an AA borrower if I get a loan through LC or Prosper so if anyone just wants to pick my brain on high credit score borrowers and their situation feel free. And by the way, I am pretty financially savvy and willing to help anyone out with advice on 401k fees, borrowing, risk mitigation, etc. and still looking for that loan so I don't have to play the game of which car is going to win the race first, my refinance or rising rates. Thanks everyone for your consideration and I am looking forward to having some meaningful discussions with all of you.