PeerStreet

Lending

PeerStreet merges the world of peer to peer lending with crowdfunded real estate. PeerStreet relies on cutting edge technology like advanced algorithms and big data analytics to review each potential investment.

Investment risk

Medium

Min investment

$1,000

Target return

7% - 12%

Fees

0.25%

Overview

Invest in real estate, without the hassle or expense of managing property. Introducing the first marketplace for investing in real estate debt. Now you can invest in the loans made to borrowers, and as they pay back their loans, you make money. They manage a two-sided marketplace that connects you to investments sourced from a nationwide network of vetted private lenders and brokers. Browse and select from investments offering different yields, terms, and LTV ratios, across either residential or multifamily properties.

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Why Invest

  • Invest in real estate, without the hassle or expense of managing property.
  • Monthly interest payments transferred directly into your account.
  • Easily reinvest or withdraw your earnings at any time.

How you make money

PeerStreet loans money to borrowers and then sells pieces of those loans to investors who share in the profit (or loss) via interest repayments on the prinipal you invest.

How PeerStreet makes money

As with other real estate marketplace lenders, they charge a servicing fee. PeerStreet charges between 0.25% and 1%, taken out from the interest payments. This way, PeerStreet only gets paid when you get paid.

Is it Safe?

PeerStreet also holds loans in a bankruptcy-remote entity that is separate from our primary corporate entity. In the event PeerStreet no longer remains in business, a third-party “special member” will step in to manage loan investments and ensure that investors continue to receive interest and principal payments. Additionally, investor funds are held in an Investors Trust Account with City National Bank and FDIC insured up to $250,000. Default Risk — Investments are neither FDIC insured nor equivalent to bank CDs or Treasury notes. Inflation Risk — Similar to bonds (since there’s a fixed rate), you have the risk of inflation eating at your returns. However, with the high rate of return, this risk is reduced. Liquidity Risk: Loans are typically held for the duration of the term Economy Risk — Another recession will more than likely increase overall defaults of individuals within PeerStreet. This would cause your return to decrease.

Things to know

  • You make money onInterest
  • Fees0.25%
  • Payout frequencyMonthly
  • Term of investment6-24 months
  • LiquidityModerate
  • Open toAccredited Only

Company

  • Country availabilityUS only
  • Assets under managementUnknown
  • Established2013
  • Mobile Application No

Investment Return Calculator

Calculate your estimated return to reach your investment goals.

$

%

years

$

Monthly

Amount invested

$7,000

Total fees

$67.99

Value after fees

$8,711.39

Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results.

Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts.

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