I used 7 platforms and also start in 2014

Do you find both the loan quality and the interest rate are dropping?

Do you have any default yet?

I selected the platforms by checking their Venture capital funding status and also ensure they have a third party trustee holding the mortgage. PeerStreet, Fundrise, and FundThatFlip are what I also used.

I used national databases RPR and CRS Tax to check ownership for each properties before I invested.