I discovered Fundrise last year and started investing a small amount. Currently have a bit over $7k invested in Fundrise, ramping up with roughly $1k per quarte

I discovered Fundrise last year and started investing a small amount. Currently have a bit over $7k invested in Fundrise, ramping up with roughly $1k per quarter since early 2016. Earnings to date a bit over $500 without reinvestment. I've been happy with the performance so far, and like the direct-investment model. That being said, I haven't invested more because of the liquidity lockup and, as others have said, these investments haven't gone through a down-cycle yet. Agree with @baccredited re LendingClub — returns have shriveled to nothing for me; I've also been draining funds from them. FWIW got lucky this year with great YTD returns on emerging markets and international mutual funds.