Best of luck and prosperity to you in your life and in your business!

Would welcome feedback from those who have overcome the draw and are now prospering without it.

I would imagine that corporations/LLCs prosper from having brokerage arms attached to their business because they can count on them to be reliable.

Live long and prosper, Kyle!

@Greg Wilkins@Chris ErwinP2P lending (Prosper, Lending Club etc) is limited to smaller amounts and it is for unsecured loans for a vast range of purposes.

If so, these lenders are all loaning on specs:-RBank (my favorite)-SouthStar Bank-CNB-Affiliated Bank-Trust Texas Bank-Grand Bank of TexasOthers like:-Prosperity Bank-Plains Capital-Southside Bankand about 5-10 others are doing specs too.  

A similar thing is currently happening in a neighborhood that was prosperous and desirable during the 1970s and early 1980s.

I will check out those links, as well as create a thread in that forum too.Jon Klaus, it would be nice if it were prosperous, however I think at first I may just be holding my head above water until I learn the ins and outs, tax codes, laws, and so-forth.

Of course, people say they make 10-14% with a well diversified portfolio of unsecured loans on Prosper or Lending Club, but I haven't looked at this, as I'm partial to collateral.You can lend through a reputable HML company in your area, earning around 10% (they keep the 3-5 points and maybe a 2-3% extra spread on rate to the borrower.)

I hope that this head start that I have will enable me to be a successful and prosperous investor!