I've been interested off and on with these investment vehicles. At least with something like Peerstreet you have a first lien position when things go south. Not sure on YieldStreet. For peer-to-peer lending like Lending Club, Prosper, forget about it. In general I feel like the glory days (if there were glory days) are over. Across the board it seems like returns have drifted lower, institutional money started getting involved. Taxes are more complicated and less tax efficient. Oh, and the hidden cost of cash drag. There's often a delay between getting cash returned and reinvested. I read something the other day that despite private equity getting superior returns to public markets, when you factor in cash drag (the time between raising capital and deploying the money) the returns a pretty pedestrian (like ~6%). I've experienced similar drag in these types of investments. TLDR - I'm not sure the juice is worth the squeeze