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PeerStreet is a two-sided marketplace for investing in real estate. PeerStreet is a two-sided marketplace for investing in real estate. PeerStreet is a two-sided marketplace for investing in real estate. PeerStreet is a two-sided marketplace for investing in real estate.
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FAQs

Asset Management

  • What is PeerStreet’s asset management fee?
  • Why is it important for PeerStreet to have an internal Asset Management team?
  • What is asset management?

Automated Investing

  • Will I get into every loan that matches my investment criteria?
  • Why should I activate Automated Investing?
  • How does Automated Investing work?
  • Can I cancel a specific investment?
  • What does “reinvest small balances” mean?
  • How will I know that an automated order was placed for me?
  • How will my money be invested with Automated Investing?
  • How does the allocation process work for Automated Investing?
  • How much money do I need in my account to be eligible for an automated order?
  • How can I diversify my portfolio of real estate loans using PeerStreet?

Bank Account

  • Why is the amount available to withdraw lower than my cash balance?

Company Overview

  • Does PeerStreet make loans to borrowers?
  • How is PeerStreet different from a REIT?
  • How is PeerStreet capitalized?
  • Who is the team behind PeerStreet?
  • What is PeerStreet?

Diversification

  • What types of real estate loans are available for investment on PeerStreet?
  • How can I diversify my portfolio of real estate loans using PeerStreet?

Foreclosure Events

  • Does PeerStreet grant loan extensions?
  • The loan I invested in is past maturity—what does that mean?
  • What is a loan maturity date?
  • What are “late payments” and how do they get resolved?
  • How does an auction work?
  • What is a Notice of Default (NOD) or Complaint?
  • What is a demand letter?

Foreclosure Process

  • Are my funds insured by the FDIC?
  • How does PeerStreet handle loan defaults?
  • What are the potential costs incurred in the event of a workout or foreclosure?
  • What does the foreclosure process look like?
  • Does PeerStreet ever foreclose on a property?

Investment Status

  • What are the different statuses for my investments?
  • What investor protections does PeerStreet have in place?
  • What are PeerStreet’s distribution dates?
  • Why does my investment “Status” change?
  • How do I interpret the status of my loan?

Investment Types

  • What is Pocket?
  • What are bridge loans?
  • What are Cash Offer Loans?
  • What is a 30-Day Note?

Investments

  • What is the Secondary Marketplace?
  • How does PeerStreet calculate my return on loan investments?
  • Can I make automatic deposits every week or month?
  • What do the property types mean?
  • What do the loan strategies mean?
  • Why do PeerStreet investments have multiple series?
  • How long does it take to close a loan once it’s fully funded?
  • What are some of the differences between making an investment in debt versus equity in real estate?
  • What is a bridge loan?
  • If typical mortgage rates are below 5%, how is PeerStreet able to offer loan investments with an average APR of 6-9%?
  • Are the Notes issued by PeerStreet secured?
  • How will rising interest rates impact PeerStreet loans?
  • Can I purchase whole loans on PeerStreet?
  • What are the advantages of investing in a PeerStreet rather than making a loan investment directly through a lender?
  • Am I investing directly in a property?
  • What is the minimum investment amount on PeerStreet?
  • How long can a loan stay on PeerStreet?
  • What types of real estate loans are available for investment on PeerStreet?
  • Why do borrowers accept higher borrowing rates?
  • What’s the general profile of a PeerStreet loan?
  • How do PeerStreet returns compare to other debt investments?

Investors

  • Can I have multiple accounts on PeerStreet?
  • Why does PeerStreet need my Social Security Number or Taxpayer ID Number?
  • Can I select my own investments?
  • For how long do I have to commit my capital?
  • Can I invest on PeerStreet as a foreign investor?
  • Can I sell my PeerStreet investments?
  • What types of investors currently participate on PeerStreet?
  • How can I fund my PeerStreet account?
  • How do I know if I am an accredited investor or not?

Lenders

  • Can lending partners also be investors on PeerStreet’s retail platform?
  • What are the track records of PeerStreet’s Approved Lenders?
  • Why do lenders work with PeerStreet?

Loan Servicing

  • Who services PeerStreet’s loans?
  • Why is it important for PeerStreet to have an internal servicing department?
  • What is loan servicing?

Payments & Distributions

  • How are default interest and extension fees paid to investors?
  • How do payments flow through to investors?
  • How are investors updated on the performance of their loan investments?

Retirement Accounts

  • If I already have an IRA set up with SD IRA Services, do I have to set up a second account with them to invest on PeerStreet?
  • How do I withdraw funds from my self-directed IRA?
  • How do I fund my self-directed IRA?
  • What types of accounts are eligible for transfer into a self-directed IRA?
  • Will PeerStreet reimburse for any fees associated with opening a self-directed IRA?
  • What are the fees associated with opening a self-directed IRA?
  • What is a self-directed IRA?
  • Can I invest in PeerStreet loans through a tax-deferred retirement account?

Taxes & Fees

  • What is the tax treatment for income derived from PeerStreet investment?
  • What are PeerStreet’s fees?
  • Does it cost me anything to open an account on PeerStreet?
  • Can I invest in PeerStreet loans through a tax-deferred retirement account?

Technical

  • How do I know the PeerStreet website is secure?

Underwriting

  • With loans that have a construction component, how does PeerStreet manage construction reserves?
  • What is PeerStreet’s due diligence process for loans it puts up for investment?
  • What is loan underwriting?
  • Does PeerStreet require lenders to keep “skin in the game?”
  • Who services PeerStreet’s loans?
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The information on this website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Further, none of the information contained on this website is a recommendation to invest in any securities. By using this website, you accept our Terms of Service and Privacy Policy. Past performance is no guarantee of future results. Any historical returns, expected returns or probability projections may not reflect actual future performance. All investments involve risk and may result in loss. Full Disclosure.
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PS Funding, Inc. CA Bureau of Real Estate - Real Estate Broker License No. 01984664; California Finance Lenders License 60DBO-45398