Finding investors willing to take less than 5% return (after paying for overhead and uncollectable loans being written off due to death/injury/ability to pay/etc) would probably be the primary one. You would likely be offering more or less the same or worse rate as I could get on a 10 or 30 year federal bond with more risk associated with it.

I know I’d be completely uninterested in such an investment pitch. It would work better as a charity ask for me.

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JumpCrisscross 8 hours ago | parent [-]

> Finding investors willing to take less than 5% return

If it’s safe I can leverage it.

> get on a 10 or 30 year federal bond with more risk associated with it

5% is 10 bps over the 20 year. Not a lot. But I picked a round number. Point is why couldn’t it be undercut? If it can’t, easily, it’s correctly priced.

	▲	Jensson an hour ago \| parent [-]
		> If it’s safe I can leverage it. Loans to private persons are very unsafe, for example they can move abroad and just stop paying as the article is talking about. Every person doing that raises interest for everyone else.