I'm now 4 months with Prosper. So far, so good. All loans are still current with an average interest rate of 13.75%. I've invested $1000 about 4 months ago and my account is at $1069.70. That works out to about a 20.9% annual return. My stats are below:
The average loan interest rate has actually gone down since last month because some of the higher interest loans have been paying down their principal.
I have a cash balance of $49 and $59 of payments in transit. In the next few days, I'll make two more $50 loans using my so far so good strategy: bid only on 100% funded and soon ending listings.