How to pick good Lending Club loans: C or B only. 3 years only. Minimum income 70k. No defaults, late payments, public records, collections, etc. (not a single

How to pick good Lending Club loans: C or B only. 3 years only. Minimum income 70k. No defaults, late payments, public records, collections, etc. (not a single one! even from 5 years ago!). DTI no higher than 70. Do not lend for medical, business, or wedding. No monthly payment higher than $500. No one with less than 2 years at current job. If you want to do the machine learning analysis, go ahead, you'll come to the same result I did. This is optimized for minimal defaults while still getting a solid return (~10%). I keep LC as a small amount of total investment portfolio, but there is certainly money to be made.