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Home Investing

PeerStreet.com Review: Investments In Real Estate Loans

Diana Mason by Diana Mason
December 18, 2022 2:37 am CST
in Investing
0
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PeerStreet is what LendingClub did for personal loans, but for real estate investing. It’s a peer-to-peer (P2P) lending marketplace that connects accredited investors with borrowers seeking real estate loans. Launched in 2014, PeerStreet has since funded over 8,800 loans totaling more than $4 billion and over $225 million in interest paid out. Keep reading for everything you need to know about PeerStreet.

See all the best real estate investing offers here. Other brokerage and investment offers here.

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PeerStreet Quick Facts
Investment OfferingsReal estate debt investments
Property TypesCommercial, industrial and residential real estate
Minimum Investment$1,000 for new loans, minimum automatic reinvestments of $100
Time Commitment6 to 36 months
Advertised Returns6% to 9%
Accredited Investor StatusRequired
AvailabilityAll 50 states

PROS

  • Invest with just $1,000
  • No interest rate risk
  • Simple, debt-only focus
  • Available in all 50 states
  • No expensive broker fees

CONS

  • Accredited investor requirement
  • Illiquid investments
Learn More at PeerStreet

PeerStreet Investment Offerings

PeerStreet only offers real estate debt investments. Most of their loans are for residential acquisitions or refinancing, as well as rental investment, with the occasional multi-family, industrial and other commercial real estate loans.

Investors can choose individual loans when they become available, or you can use PeerStreet’s automatic investing feature to invest in loans that meet your criteria (interest rate, LTV, term and investment type). Most of their loans are short-term, six to 24 months, with LTV ratios below 75%.

All loans are backed by a first lien on the property. If the project goes bust, PeerStreet gets the underlying asset, which they will then sell off to recover investor money. In comparison, Prosper or LendingClub loans are unsecured.

Over the last several years, PeerStreet’s portfolio of loans has earned 7% to 12% annually, after investment fees.


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How PeerStreet Works

PeerStreet partners with regional loan originators who provide loans to real estate developers and investors. There’s a vetting process that originators have to pass in order to have their loans listed on the platform.

PeerStreet’s accredited investors (you) then join with the originators to make loans to borrowers. This teamwork lowers risk for originators and provides access to additional capital. After a loan is funded, it usually takes up to three days to close.

Interest on the loan is paid on a monthly basis. Investors will see payments in their “Available Cash” fund. You can use this money to easily reinvest into new loans once the cash balance reaches the minimum threshold of $100.

Funding Your Account

Fund your PeerStreet account either by wire transfer or ACH bank transfer. If you choose the ACH route, your funds are instantly available, and you can invest with zero delay.

The initial investment minimum is just $1,000, and cash holdings on the platform are held by City National Bank.

Email Alerts

New loans for investment become available several times every week. When there’s a new batch of loans, PeerStreet will send out an email the day before. Normally, loans will go live on weekdays at 3pm EST, following automated investing.

Automated Investing

PeerStreet investment opportunities can fill up quickly, especially for higher-yielding loans. If you have FOMO, or you can’t make the 3pm deadline, you’ll want to consider PeerStreet’s automated reinvestment feature.

You get to set the minimum investment threshold ($100 or above), interest rate, LTV, loan term, and investment amount per loan. If you have enough cash in your account, and a loan matches your criteria when it becomes available, a pending purchase is made. You then have 24 hours to accept or decline the investment loan. This gives you time to perform your own due diligence before committing funds to the investment.

When a loan is oversubscribed – often the case for higher interest rate and lower risk loans – a queue is formed.


PeerStreet Pricing & Fees

PeerStreet charges investors a “service fee” on each loan. This fee is a spread between the interest rate it charges borrowers and the interest rate it pays to investors, falling in the 0.25% to 1.00% range. You’ll clearly see the service fee alongside investment details.


Bottom Line

PeerStreet is a real estate investment platform with higher-yield, short-term loans backed by physical real estate and a low required minimum of $1,000. However, they only accept accredited investors, and their investments lack liquidity.

Learn More at PeerStreet

Other real estate investing options you might like:

  • Fundrise
  • Streitwise
  • Landa App
  • Groundfloor
  • HappyNest
  • CrowdStreet

See our brokerage and investment offers page here.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

Interactive Brokers Logo Click here to see why Interactive Brokers is the #1 brokerage for serious investors!

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Diana Mason

Diana Mason

My passion for travel eventually led me away from the 9 to 5 office life and into the embrace of freelance work. Born in Cali and raised in Philly, I am a creative professional with a delightful knack for words. When I'm not gallivanting across the globe, you can find me writing (of course), teaching yoga, and dreaming of my next big adventure.

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