It's like going to the casino and either betting black or red on roulette. 

The mere fact that you are likely to find an honest one, is probably comparable to hitting it big at a casino.

This time around is a very different animal and could have been a lot worse if not for the fed and treasury.

Is it not due largely to the fact that there is a steady payroll here out of the Government Treasury?

Typically, yield maintenance is calculated by taking the NPV of the remaining loan payments, but using the then current treasury rate as the discount rate.

The modern casino’s are also a good time and will too be up and running again before you know it.

@Snehann Kapnadak yield maintenance is a very complex calculation looking at a particular point in time based on current treasuries.

Syndications produce enough passive income for me, I tend to avoid the wall st casino (although I do have index funds). 

Wall Street is a rigged Casino but its the only game in town so everyone plays it.

Payments on a 401k loan taken under the CARES Act must be paid back starting in 2021 over a 5 year term.Here are the details regarding the loans:NEW LOANS:The CARES Act which was enacted to provide relief to individuals impacted by COVID-19 allows for increased 401k loans and more flexibility for repayment of these loans.Specifically, you must be an individual who meets one of the following conditions to demonstrate that you have been impacted by the crisis (and it will be your responsibility to retain documents in your files that demonstrates that you are a qualified individual):Individual who is diagnosed with COVID-19, with a CDC-approved test;Individual whose spouse or dependent is diagnosed with COVID-19, with a CDC-approved test; ORIndividual who experiences adverse financial consequences as a result of being quarantined, furloughed, laid off, having work hours reduced, being unable to work due to lack of child care due to COVID-19, closing or reducing hours of a business owned or operated by the individual due to COVID-19; or other factors as determined by the Treasury Secretary.On or before September 23, 2020, such individuals take a 401k participant loan subject to the following terms:Maximum Amount of the Loan: 100% of their 401k balance not to exceed $100,000.