Just thinking about money and thought about this. I sold all but 8 of my 43 notes. 

Of those 8:

• 3 are in good standing $72.03 principal outstanding 
• 1 is late (16 – 30 days) $24.24 principal outstanding 
• 4 are late (31 – 120 days) $95.32
• $191.59 total principal 

For its current standing, it is in very poor shape. 

• 95.32 + 24.24 = $119.56
•  119.56 divided by 191.59 = 0.62404092
• or 62.4% *bad*
• This is, considering them write-offs <1>

However, as part of the whole of 43 notes, here’s approximately how I turned out. 

• 43 notes bought at $25 each
• 4 were paid in full where i cashed out a couple and rebought notes for the first two. 
• The ones that pay off early show great returns, though small chunks– profit of 2 to 4% over 3 months. Which if turned into APY is more in the ballpark of 8 to 16% of pure profit. It’s just 8% profit off of 25 bucks is only 2 bucks. For the 4, I likely got around 12 bucks. 
• I kept my average profit % high. I believe it ended around 26%. I had 79% of the notes paying at 26%. That’s 20.54% profit. I’m not sure how it would have gone from there, but returns were nice, even with the constant reminders of the no-pays. (34 good standing – not late or paid in full — out of 43)
• The cashflow was was around 30/mo I believe. 1,075 x 0.03 = 32.25. That’s their statistical average. 

<1> I have had 1 note come back from the death row. One note bounced back and paid a $4.21 chunk once, must have been 4 months plus small fee.