Considering Stashing Portion of Reserves in P2P Lending

[Brian Olson]

Hello, 

I'm getting closer to purchasing my first investment property. I absolutely hate the idea of having money sitting in a nearly worthless savings account or CD, though I understand some must be immediately available. 

I read a blog post on Financial Samauri blog (http://www.financialsamurai.com/ranking-the-best-passive-income-investments/) the other day that made be consider using P2P lending rather than my go-to Vanguard index funds to store my reserves because the results are far more predictable than that market. Note the nearly 2% swing in the market today.   

I'm considering moving perhaps 75% of my reserves to a P2P lending company (probably Lending Club). Although this is a long-term commitment, they do have liquidation options should it be necessary. Has anyone done something like this or have any thoughts on the idea? Thanks!