PeerStreet focuses on private money loan investments because we believe the risk for this asset class is mispriced in favor of investors. We partner with private lenders who make these loans and structure them in a way that mitigates the various risks associated with these investments. Unlike consumer credit, where there is little recourse if something goes wrong, PeerStreet loans are tied to the deed or mortgage and are secured by a hard asset. Therefore, we believe that this asset class is attractive on a risk-adjusted basis, and lenders are better-positioned to recover principal in cases where the borrower defaults. Smaller investors previously could not access these loans, so PeerStreet has now made this opportunity possible in an efficient and transparent marketplace.