Information on Peer to Peer Lending

[James Park]

I am starting to read up on notes as I am looking into new investment channels. I've been doing some research on Lendingclub.com and Prosper which are two peer to peer lending sites. Have any of you used these two sites? What has your experience been? How safe is it to get a 8% return?

https://www.lendingclub.com/

Any notes expert here who have reached $100k passive income with their notes portfolio? How much capital is needed to reach this passive income level with notes?