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LorneReams posted:Sampling issues are possible, it's a subset of a $200mm portfolio. Vintages are controlled for so age isn't a factor. Can you weigh in with an opinion on how correlated individual loans are? I strongly suspect that the true long term returns are a few points lower than what we're seeing just because the data LC and others release is a bit too young to really capture big macroeconomic effects that would cause a lot of defaults to develop. 2007 proved a lot of people wrong regarding portfolios of "uncorrelated" consumer loans. I don't think my fun money is likely to damage the world economy, but it's better to avoid repeating history.
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# ¿ Nov 26, 2013 00:25 |
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# ¿ May 5, 2024 15:42 |
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I'm curious how you choose to manage taxes: do you pay them from the account balance (ie pausing reinvestment to build up cash) or just pay the tax bill out of your income elsewhere?
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# ¿ Jul 7, 2014 18:28 |
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Are the borrowers making accelerated payments? I've had notes where the borrower rounds up their payment to the nearest hundred bucks and such.
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# ¿ Oct 24, 2014 19:44 |