I tried out Mosaic by investing a few hundred dollars with them! Although it's too soon to tell if they'll expand nationally, it seems like they're actually a smart option right now for retail investors in CA and NY (and accredited investors in other states). At 4.5%, projects are better than any similar bond or CD. They seem reasonably safe (i.e. my risk is whether Fort Dix will continue to pay its utility bills, but it's just debt, not equity in some venture). I don't know of very many other ways that people can make P2P debt investment in tangible assets (e.g. railroads, real estate, solar or wind or other energy installations). Do you guys? I really like this.
Another upside: a lot of their projects are on cool community buildings, so I feel good about both my environmental impact and the places the solar is being installed. It seems smart!
Anyone else have thoughts?