So they started doing the loans that everyone else turned down, ultra high risk development deals, second mortgages, land loans at ridiculously high LTV, loans where the borrower has none of his own capital invested, 85% of AFTER stabilized value loans.  

In the text notice I have headings for each section, because people HATE reading today so I make it ultra simple to find exactly what one is looking for in less than 3 seconds.

Because so much real estate in the US or Canada wouldn't be profitable without ultra low interest rate (as many investors are discovering lately), we are obsessed with getting cheap financing.

A lot of ultra aggressive investors who want to buy buy buy aren't buying so aggressively now like they have in years past.

If anyone tells you that you can get 15% cash-on-cash it's either a scam or ultra high risk. 

It's the complete opposite where I am - no one will sell their existing homes because they won't give up their ultra-low rates.

The peer to peer lending platforms as well as the real estate crowdfunding platforms are not having their investments chosen by Warren Buffet, or for that matter any money/investment manager employed by the big pension funds, endowments or ultra wealthy individuals that RDPD is always alluding to.  

Just the last 20 have been so abnormally low we have gotten used to that normal.Folks also forget what started us on the ultra low rate cycle for  the world economy to crash in 2008. 

We raised them in a fantasy ultra-Marxist nirvana concept that not only does not exist but has never existed in the world because in literally every attempted iteration ever taken of any size of scale, be it commune or country, has failed miserably. 

However, your unfortunate ultra conservative approach may work, but it won't work for all.