Diversification of platforms

I was in a similar position to you a few months ago and tried out MoneyThing.  It's asset-backed lending against a variety of assets (pawn shop assets, cars) but increasingly they are now lending against property which moves them closer to SS.  They are generally well regarded on this forum as they are possibly the best platform at engaging with investors.

Thanks I remembered researching MT a while ago, and didn't like the idea of pawn shop assets. My assumption was that if there are defaults, that the administration costs of recovering money from the asset would not make it worth it. But loans against property is definitely more interesting. Thanks

jewelry, cars, wind turbines, art (spit), managed loans, boats, planes sometimes, business investments, restaurants, biomass, anything with a sensible income stream that the borrower can explain in simple words and numbers which show that there is a very good chance they can not only pay me my interest but also return my capital.  

I've bored others here with my core rules but basically they boil down to
1) don't select but do reject (I reject 50% min)  
2) anything you don't understand, you don't understand it, so don't lend to it (though people here can explain a lot of the technical terms)
3) if a project has not got planning permission it has no permission to be a building, so don't lend to it
4) if the business is being "restructured" to let the son run it, let him do that and don't lend to it.  
5) I'm very dull I don't like risk.
6) No point in winning 10% and losing 100%.  
7) don't rush into investments you wouldn't want to have talked your father-in-law into and then had to bail him out of.
8) imagine you are looking back in 2 years time, would you be certain to get all your money back?  Plan accordingly
9) there will always be another great-newest-thing
10) spread your loans by repayment durations as well.  Think why does he want 5 years to pay that back or why only 6 months?  Often they don't have a clue but sometimes..
11) read these threads

The pawn shop recovery of assets is a pretty well worn path and the only true dangers would be 
1) the things are spirited out of the country (not that likely but power boats could flee)
2) the things are incorrectly valued (there are paths around this fear)

In property and pawn property one concern is the negotiated value of a half built development may be too low.  That exists for either route.
My fear about loans for property is one of valuation and development stages, certainly in the last 12 months I've seen nonsense valuations on a number of deals and a few have either not flown or collapsed quietly.  There is nothing that is no risk