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Peer Street Review8 min read

Reading Time: 6 minutes

PeerStreet is a marketplace for real estate loans. That means that you, as an investor, can browse through and choose which loans you want to invest in. The loans are originated by Loan Originators. These are typically professional investors or investment firms with access to real estate project financing.

The nice thing about PeerStreet is that it offers a level of transparency and due diligence that is not always available in the private lending space. Each loan listed on the platform includes information on the property, the borrower, the loan terms, and more. This allows investors to make informed decisions for real estate investing.

One of the key advantages of PeerStreet is that it offers automated investing. Automated investing is a great way to diversify your investment portfolio and ensure that you are investing in a wide range of projects.

Peer Street offers a loan-to-value (LTV) ratio of up to 80% on its investment properties. This high LTV ratio makes it an attractive option for investors looking to leverage their investments.

For those unfamiliar with the term, LTV is the ratio of the loan amount to the value of the property. An 80% LTV ratio means that for every dollar you invest in the property, Peer Street will loan you 80 cents.

PeerStreet’s mission is to make real estate lending more transparent, predictable, and accessible. By connecting investors with borrowers through technology, PeerStreet enables investors to diversify their portfolios across a variety of real estate loan types while borrowers can access financing on more favorable terms.

Both investors and borrowers benefit from lower transaction costs, increased predictability, and improved access to capital.

How Does Peer Street for Real Estate Loans Work?

Screenshot of Peer Street Website

Peer Street is an online marketplace for real estate loans. Investors can browse and compare loans and then choose to invest in the loans that fit their investment goals. Peer Street offers loans for residential and commercial properties, and loans are available for both purchase and refinance.

Peer Street is a great option for investors looking for private lenders offering high-yield and low-risk investments. Loans are vetted by a team of underwriters, and all loans are backed by collateral. This means that investors can feel confident that their investments are safe and that they will receive their payments even if the borrower defaults.

PeerStreet’s focus on transparency allows accredited investors to understand exactly what they are investing in. Each loan on PeerStreet is given a risk grade and comes with a detailed loan profile. This helps investors to make informed investment decisions.

Minimum investments on PeerStreet start at $1,000, and loans are typically repaid over a period of 6 to 36 months. Investors receive monthly principal and interest payments, and they can choose to reinvest their payments or withdraw their funds at any time.

PeerStreet’s focus on real estate loans makes it a unique lending platform. Unlike other Peer-to-Peer (P2P) lending platforms that focus on unsecured personal loans, Peerstreet review only offers loans that are secured by real estate.

This focus allows for lower default rates and higher returns for investors. PeerStreet is a great way to invest in real estate loans and earn attractive returns. With a focus on transparency and experienced lenders, PeerStreet is an excellent platform for real estate borrowers.

Features of Peer Street

PeerStreet is an online marketplace for investing in real estate debt. It offers investors access to short-term, high-yield loans for fix-and-flip loans or hard money loans, rental properties, and real estate professionals to guide you in your loan investments and other borrower credit details and requirements. Here are some key features of the platform:

Public Originator List

Public Originator List is a feature of Peer Street. By law, every mortgage loan originator must be listed on a public list maintained by their state regulator. The list includes the originator’s name, business address, and contact information.

Peer Street’s Public Originator List is a great resource for borrowers who are looking for a mortgage loan originator. The list includes the originator’s name, business address, and contact information. This is a great resource for borrowers who are looking for a mortgage loan originator.

Account Type Flexibility

Peer Street is a lending platform that offers account-type flexibility to its investors. This feature allows investors to choose between a self-directed IRA, a traditional IRA, and a Roth IRA. This flexibility gives investors the ability to choose the account type that best suits their needs.

Peer Street is a lending platform that offers account-type flexibility to its investors. This feature allows investors to choose between a self-directed IRA, a traditional IRA, and a Roth IRA. This flexibility gives investors the ability to choose the account type that best suits their needs.

The ability to choose between different account types is valuable for any investor. Peer Street’s account type flexibility gives investors the ability to choose the account that best fits their investment goals. Whether you’re looking for tax-advantaged growth or income, Peer Street has an account type for you.

Investor-Focused Loan Default Processes

Loan defaulted can be a major headache for both lenders and investors. But Peer Street’s focus on investor-friendly loan default processes is a big selling point for this online real estate lending platform.

When a loan goes into default, it’s important to have a clear and efficient process for managing the situation. That’s where Peer Street shines. This lending platform has a team of professionals dedicated to working with investors to resolve defaults in a way that is fair and beneficial for all parties involved.

Investors looking for a lending platform that puts their best interests first should definitely check out Peer Street. The company’s focus on creating a positive experience for all involved in a loan default is just one of the many reasons to consider using this service.

FDIC Protected Accounts

Peer Street is committed to providing its investors with the highest level of security and transparency. All Peer Street investments are backed by FDIC protection up to $250,000 per account. This government-issued protection guarantees the safety of your investment in the event of a Peer Street platform failure.

Average Returns

PeerStreet is an online marketplace that allows investors to fractionalize and pool funds to invest in high-quality, short-term real estate loans. By fractionalizing loans, investors can spread their investment across multiple loans and potentially receive higher returns than if they had invested in a single loan.

The Process in Real Estate Debt Investing

Are you looking to invest in real estate but don’t know where to start? Debt investing in peer street may be a good option for you because they offer lower interest payments. Real estate debt investing is a popular way to earn passive income, but it can be difficult to understand the process, and one needs to be aware of the legal process involved. One of the most important aspects of debt investing is to pay legal fees.

Here is a list of steps to get started:

1. Research different types of real estate debt investing and decide which option is best for you.

2. Find a reputable company to work with, such as PeerStreet.

3. Review the loan terms and conditions to make sure you understand everything.

4. Make your investment and start receiving monthly payments.

5. Monitor your investment and adjust as needed.

Real estate debt investing can be a great way to earn passive income and build wealth over time. By following these steps, you can get started on your journey to financial freedom.

Is Investing in Private Real Estate Debt Can Earn Higher Return?

If you’re looking for higher returns on your investment, you may want to consider investing in private real estate debt through PeerStreet. Private real estate debt can offer higher returns than traditional investments, such as stocks and bonds, and can be a great way to diversify your investment portfolio.

PeerStreet is an online investment platform that allows investors to invest in private real estate loans and real estate assets. Loans are typically short-term, 1-5 years, and are secured by the underlying property. This means that if the borrower defaults on the loan, the lender has the right to foreclose on the property and recoup its investment.

Investing in private real estate debt can be a great way to earn higher returns, but it’s important to do your research and understand the risks involved. Make sure you diversify your investments and consult with a financial advisor to see if private real estate debt is right for you.

Is Peer Street Safe?

PeerStreet is a real estate crowdfunding platform that directly allows investors to invest in short-term, high-yield loans. PeerStreet’s platform is designed to provide investors with access to a diversified portfolio of loans and to offer a transparent and streamlined investment process.

Since its inception in 2013, PeerStreet has funded over $1 billion in loans and has earned the trust of over 100,000 peerstreet investors. PeerStreet has also been named one of the most promising companies in America by Forbes and one of the top fintech companies to watch by KPMG.

PeerStreet Review Conclusion

In short, yes. PeerStreet is a reliable lending club with several measures in place to protect investors and ensure that loans are made to creditworthy borrowers. PeerStreet only works with experienced and reputable loan originators, who are required to perform due diligence on each loan. In addition, PeerStreet offers a unique asset protection guarantee, which reimburses investors for any losses.

Real Estate Investing Related Articles I’ve Written

If you are looking to invest in real estate or RE-backed asset allocations, then my advice is to check out the articles I’ve published below. If you have any questions please reach out to me. In the meantime, please check out the links below.


About 

Edwin Cannon has spent his entire career in the financial industry and specializes in alternative investments and surviving marketing turbulence. He started My Retirement Paycheck to help educate consumers about retirement investment options that aren't typically introduced by advisors.