Buying two fourplexes

100.00 24900.00 25000.00 0.00000 1 0.12000 Grandview 0.12000 0.12000 TX 2007-02-04 20:16:21 A 0.44000 very dependable person who works full time for a company in town. I started buying rental property 15 years ago for my retirement years and have done well with them. Most of the time I acquire one to two properties a year, but have found many good deals this year with the housing market being so saturated. I recently purchased a property from a friend that required cash for the deal. I had to place all my liquid assets into that property which has left me in need of short term cash. I have found a property that I can purchase, but can not finance the property until it is cleaned up and out of the cities hands. I have been advised that once this is done, I would have no problem barrowing against it at that time. The property is a 8 unit complex with no major damage. The city took over the property due to the renters selling drugs which is near a junior high school. The owners of the property was told many time to clean the units up and get new renters in there, but nothing was ever done. Now the city posted everyone to vacate as of 12/08/06 and the old owners had two months to sale the units or 90 days to fix the rental problem. In talking to the realtor, the owners are tired of managing the property and just want to sale. They will let the property go for half the asking price if someone can come up with the cash before Feb 8th. 3 Close When Funded 0.00000 false true 1BC43381033199710422920 0.12000 93331 C70A3380714841109148E31 0.00400 2007-02-04 20:16:21 Active Buying two fourplexes 0.00 7500.00 7500.00 0.00000 0 0.17000 sanford 0.17000 0.17000 FL 2007-02-04 20:16:27 HR 0.24000 Clark Howard recommended this site and I hope that it will work out for me. I am a small construction business owner in central florida that installs windows and doors in hotels and condominiums. I am trying to pay off my past debts and some recent ones also to help prepare my companty for growth. My biggest obstacle is not having the proper funding to grow. I have some writing to do to the reporting agency, as I have not lived at one of the addresses it provided, and I do not know what some of the delinquincies are. I have paid all the companies that have given me credit or loaned me money, I was late on an account or two when personal health failed me while I was in college, and I never paid Bally's as I never went in the gym before I had the health problem, and they would not let me cancel membership. I have incurred some medical bills that were reported when I thought my insurance company had me covered, who knew they dont cover CT scans when the insured was bleeding internally, guess that wasnt emergency enough. So I admit to not being recent on med bills, but I do pay my insurance premiums to a new company and I pay my monthlys, loans, CC, and child support, which one loan was when I went through a prolonged contract negotiation. The loan for the vehicle is not a debt incurred to myself, as my grandmother added me to loan to help boost my score, and to ensure my sister would not get the car in case of anything. If you grant me this loan, I will make the payments to repay all monies owed. If my business grows during the loan repayment period, then I will make arrangements to pay it with expediancy. Thank You. 7 Open For Duration 0.00000 false false 57E93380939624709768778 0.17000 93332 9D243379824978178CCF2D8 0.00000 2007-02-04 20:16:27 Active Payoff personal credit report and minor business debt 100.00 12900.00 13000.00 0.00000 1 0.18000 Hollister 0.18500 0.18500 CA 2007-02-04 20:17:21 C 0.28000 Hi,      Thank you for considering myself for a loan.  I am a finance manager for an auto group, and have been continuously employed with them for 10yrs this June.  I am getting married in March on the 31st and am looking to consolidate some debt of mine before the "I do".  I have lived in my community for 29 yrs and been at the same address for 5 years.  My monthly income is commission based, but never falls under $6000.00 and is usually closer to $8000.00. With a record high of $12000.00.  My bills are for the most part very minimal, $600.00 rent, $400.00 car payment, $100.00 insurance, $314.00 for a 10 yr signature loan, and some other credit card debt not exceeding $500.00 for there monthly repayment.  My auto lease is coming up and I do not need at this time to replace the vehicle, since I have chosen to take a company provided vehicle.  The $400.00 auto payment will be gone in 3 months time.  Other than rent I do not have any utility bills, they are all included in my rent charge.    The loan I am seeking is going to pay off the 10 yr loan and also some credit card debt.  The $314.00 payment has 9 yrs left and my soon to be wife and I want to buy a house in three years time or sooner, so a 3yr loan on this money seems much better than the current loan situation.  Effectively the payment would not increase much and the savings from the 6 yr reduction in term amounts to over $20,000.00 in savings.  This is a very low risk loan as far as I am concerned since I have the ability to pay off early and also have never been late on an installment loan.  In the past going back to 2003 there were some delinquencies on credit cards, but all accounts are now satisfactory and have been paid in full or are being paid as agreed.   This was the result of dating and living with the wrong woman.  But accept responsibility for what happened and my lack of paying attention and take it as a lesson learned. The account that is listed as currently past due in all actuality is not, there was an error on Bank Of Americas part that reported a 30-day late payment.  This was the result of the merger between Bank Of America and MBNA, and is being corrected by them.   Please feel free to contact me if you have any questions and or comments.  Also when I am married our household income will be over $100,000.00 Annually.  Thank you 5 Open For Duration BAE93365625072437A1CBD9 0.00500 false false 5E4533803889148263D2051 0.18000 93333 513333806221789764A56A4 0.00760 2007-02-04 20:17:21 Active Time to consolidate, getting married 0.00 1500.00 1500.00 0.00000 0 0.16000 Tampa 0.17000 0.17000 FL 2007-02-04 20:19:21 E 0.31000 Thank you for reading my ad. I am requesting assistance with my student loans which would get my payments in line with the rest of my bills. I am 14 months removed from a Chapter 7 bankruptcy which was filed in 2005. I have made significant strides since then which has increased my credit scores and overall financial health but I do have more work to do. With this loan, it would greatly help achieve that goal. I am 35 years old, single (no kids), I rent my own apartment which I have resided in for nearly 6 years and employed full-time at my present job for nearly 4 years. My income before taxes last year totaled $24k My monthly expenditures Rent:$570 Utilitied: $ 160 Groceries: $150 Cell phone/CC bills: $280 Student loans: $ 120 I do not have a car at the present time. Fulfilling my obligations regarding this loan is my top priority and I intend to pay back the loan on time throught the income from my full-time job. Please consider me for this loan and have a nice day. Thank you 7 Open For Duration 2D523366875352960F3C033 0.01000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93334/1225430168.jpg</Value></NameValuePair></NameValuePairs> false D9AB3380992596809E10C38 0.16000 93334 750733812177918217B6D13 0.00000 2007-02-04 20:38:52 Active Assistance w/student loans 165.00 2835.00 3000.00 0.00000 2 0.27000 Chicago 0.29000 0.29000 IL 2007-02-04 20:28:38 HR 0.71000 Hello Lenders, I am a young mother of two seeking a loan to pay off my high interest credit cards and assist with purchasing my first home.  The two delinquencies on my credit were recently paid in full.  The two deliquencies were due to my hours being cut at my previous employment.  I had some credit problems in the past; however I am doing my best to get it together.  With your assistance the American Dream can become a dream come true for me and my family.  I need to pay off these high interest credit cards.I work for a known tax company as a District Manager.  I worked there for well over 5 years only during the tax season until this year.  I was promoted to work year round as a District Manager for 3 locations.My income per month is: $3033.00 (employment)  $810 (social security) = $3843.00 Monthly Debt Credit Cards = $376.00 monthly/total due $4179 (includes a very high interest loan at 79%) Car Note = $513.85 Car Insurance = $140.09 Rent = $275.00 Light = $50.00 Gas = $50.00 Childcare = $193.00 Other = $350.00 Groceries= $250 My Debt is: $2197.94 per monthIncome left after debt is paid:  $1645.06 ____________________________________________________________________________________ Being full-time on my job has really increase my income.  I will have more than enough funds to cover my Prosper loan.  I plan on repaying the Prosper loan through automatic deduction from my checking account.  If you invest in me, I promise my loan will be paid on time every time. Note:  I entered a lower amount.  If this is funded, I will repay within well before the end of the loan term and take out another loan if needed. 7 Open For Duration 7BC63380926121108CFBE01 I've known the borrower for some time and she has come a long way in regards to her credit. Good investment. 0.02000 true <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93335/1766492448.jpg</Value></NameValuePair></NameValuePairs> false FF773380304634037046F3A 0.27000 93335 6BC23370534210761C835E1 0.05500 2007-02-04 20:40:23 Active Relist/1st Time Homebuyer-Payoff High Int. CCs 603.00 19397.00 20000.00 0.00000 8 0.14000 Bothell 0.14000 0.14000 WA 2007-02-04 20:30:25 A 0.63000 Reason for re-list: I received helpful advice and looked more into how bidding works on Prosper and believe I started the rate too low to get the desired attention to my listing. Reason for loan: To consolidate four personal credit cards to one easy payment card1: balance $6,000, limit $10,000, currently paying $350 per month card 2: balance $6200, limit $15,000, currently paying $350 per month card3: $5,000, limit $11,000, currently paying $350 per month card4: $2800, limit $10,000, currently paying $350 per month I would like to consolidate to one reasonable rate for my credit rating before any introductory rates expire in the coming months. When these introductory rates expire, my rates will vary from 8.9% to 11.5%, so at that or better is my goal for Prosper. I would like to get the Prosper loan to make just one payment that will eliminate the debts. The debt originated finishing up our primary residence remodel this past year. Personal income: $42,000 Total Household income (incl mine) $95,000 I have been paying $350 per month to EACH of these four credit cards. The 2nd home mortgage is $800.oo . We use this home for weekends and vacations, and plan to retire here. my car payment is $200.00, we only owe just under $2000 on this car,2000 Honda Civic Food and household supplies average $600 per month I also pay the family plan cell phone bill $100. I use remainders to contribute to the household, build our retirments account and as entertainment/clothing shoppping, etc. All other bills, including residence mortgage, all utilities, insurance, 2nd car payment are handled by my husband and his income. Before the loan, my debt ratio percent was 35%. This loan is replacing the credit cards completely. I would just like the ease of one bill, one due date and a solid 'payoff' date for these credit cards. Now that the remodel projects are complete, we have no use for these cards and I'd like to consolidate them before the promotional 0%'s run out. I was referred to Prosper by my daughter. 10 Open For Duration 0.00000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93336/773148508.jpg</Value></NameValuePair></NameValuePairs> true 09B533812423285721C2BA9 0.14000 93336 D2EC338119053151654D43B 0.03010 2007-02-04 20:30:25 Active Remodel finished-credit card consolidation 0.00 8000.00 8000.00 0.00000 0 0.24660 warsaw 0.24660 0.24660 MO 2007-02-04 20:30:32 HR 0.20000 We are a young couple with three children that needs a second chance.  My husband had his own business a couple of years ago and just got in over his head financially and there are two things that are holding us back from being financially stable.  We are good people both of us have full time jobs and are starting to gain some ground but just need a little boost to get everything to fall in place.  It would be greatly appreciated if there is someone out there to give us a chance.  You will not be let down.  We are trying to do the right thing and pay everyone back that we owe money to.  We will use this as a stepping stone if we are given a chance.  Please Help!!!!   Thank You  Young Couple 7 2007-02-05 21:36:54 Close When Funded 0.00000 false false 17AF3381369548790A1CE87 0.24660 93337 348F3379681818118048006 0.00000 2007-02-04 20:30:32 Withdrawn young family needs help 0.00 10000.00 10000.00 0.00000 0 0.19900 Warner Robins 0.23900 0.23900 GA 2007-02-04 20:31:34 E 0.38000 I need money to cover appraisals, minor repairs, and closing costs on two Short Sale properties worth $50k + profit. I was laid off from my job as a network specialist in September. I have never failed at anything that I have applied myself at, as evidenced by my 22 ½ years in the Air Force. I help people by giving them an option to losing their homes to foreclosure. I have cleaned out my 401k to pay for a mentoring course which was going to show me how to do this with no money out of my pocket. I really didn’t have a problem with that, since I was going to make a lot of money in 90 days, and I would have more than enough surplus cash on hand to re-invest. Since I handed over the money in early October, I put in far more than the 10 hours per week that I agreed to on my mentoring contract. Sometimes I work 10 hours a day, and late into the night, every night and weekends looking for leads, or trying to find someone who will provide a hard money loan to a sub-prime, upstart investor only one year out of bankruptcy. I have yet to find those individuals who have credit and want to be investors. Since completing the program, I have only been able to purchase one single property, but haven't had funds to complete the rehab. I had to take a loan against the cash value in my life insurance policies to pay the closing costs. My mentor claimed that I didn’t need money or credit to be successful, but I found that to be far from the truth. I have had to turn away prospective deals because I just didn’t have the resources to make it happen. They say there is money in real estate, but I haven’t seen any of it. My daughter has been accepted to travel to Australia in June as a Student Ambassador in the People to People program. If I don’t have cash flow soon, I won’t be able to afford the other $4,000 dollars that I need to make it happen, let alone make my own mortgage payment. Danielle has worked so hard in school; she’ll be crushed if she can’t go. I can’t let that happen! I am motivated, confident, outgoing and I love to help people. I want to be financially independent, and teach others how to be the same. I don't need this money long, just long enough to do the fix up and resale. 3 Close When Funded F4E13366262640478961740 0.04000 false <NameValuePairs><NameValuePair><Name>First Deal - 80%LTV - Need</Name><Value>http://www.prosper.com/listing_images/93338/1139733864.jpg</Value></NameValuePair></NameValuePairs> true 1A993380644147446E4A79C 0.19900 93338 61BE33811757486423CA09D 0.00000 2007-02-05 06:13:28 Active Need Closing Help 0.00 3900.00 3900.00 0.00000 0 0.20000 Canyon Country 0.20000 0.20000 CA 2007-02-04 20:37:50 E 0.23000 I am trying to get back into some classes at my school, but I need to pay them $1700 before I can get into my classes. I currently already have 2 loans, one of which I set up to be automatically deducted from my paycheck every week. On this particular loan, I pay $120 a month, but have $30 taken out every week, that way I am never late, and I dont even see the money. The other is my car payment and is only $195 a month. I bring home about $300 a paycheck after taxes and my loan payment are deducted. The only other bills I have are a cell phone bill that is about $70 a month and a car insurance payment of $125, which is also automatically deducted on my account. The way I could break the use of this loan down is this, $1700 for the last two classes that I attended, $1700 for the next two classes I plan on attending, $120 for my books, and The last $280 to pay off two small marks on my credit report that I didn't know were there until this last week. If it would make it more sucure, I can set up my bank account to automatically deduct this payment from my checking account on a certain day of every month. This is very important to me. If there is any way anyone can help, it would be GREATLY appreciated. If you have any questions, please feel free to contact me. Thank you so much. 7 Open For Duration 493D3364456994328083639 0.00000 false false DAB533811457355215AF2A1 0.20000 93339 6BCA3379925485914894D5C 0.00000 2007-02-04 20:37:50 Active School loan 0.00 25000.00 25000.00 0.00000 0 0.20500 Scottsdale 0.21000 0.21000 AZ 2007-02-04 20:44:55 D 0.38000 Who We Are/What We Do My sister and I are founders of a children’s apparel company.  The mission of our company is to motivate kids to try hard, have FUN and aim high in all they do.  Our company was built to provide kids with clothing options that are fun, stylish and positive.  We challenge the main stream and parents to show the world that kids are not just cute or pretty, but more importantly, they are smart and talented.  We will launch 15 new designs to our current portfolio of 10 by mid February.  We are also partnering with a local non-profit organization that supports at risk teen girls to design and market a "teen" line.  I have a background in non-profit fundraising and my sister has a background as a special education teacher. We both hold master's degrees.  Why We Need Money We are seeking funding upwards of $25K to support our wholesale expansion.  We just signed on two wholesale sales reps and are talking with one other.  We will begin taking wholesale orders by the end of February. Our goal is to cover wholesale in 24 states by the end of ’07.  We have invested over $40K of our own funds and need $25K more to take it to the next level.  My combined (all three) credit score is 696, but it’s lower here.  My income to debt ratio is high mostly from student loan investments for me and my husband ($109K). I’m a co-signor on $54K of his private loans for his MBA at Thunderbird.  I’ve also charged some of my credit cards to help launch my business.  Of the 31 accounts listed on my credit profile, 25 of them are student loans: 21 for me (sold twice) and four (4) for my husband; the remainder is a car loan and credit cards.    Here is a breakdown of my income and expenses: Income: Net $4572           <ul><li>Rent: $915          </li><li>Utilities: $200          </li><li>Car: $270 (paid off March ’08)          </li><li>Credit Cards: $750         </li><li>My Student Loans: $286          </li><li>My Husbands Student Loans: Deferred until November 2008          </li><li>Car/Renters Insurance: $155          </li><li>Misc. (food, gas, clothing, etc.): $800          </li><li>Son’s college fund: $100         </li><li>Total: $3476          </li><li>Remainder available for Prosper Loan: $1096 </li></ul>Credit Inquiries in Past Six Months: Three (3) <ul><li>One is for a business credit card ($500 limit) (Nov. ’06)         </li><li>One is for my husband’s current winter semester at school (Dec. ’06)         </li><li>One is for a new car loan. (Jan. ’07) One of our cars was totaled in an accident two weeks ago.  We receive a new car loan, but decided in the end to not take on an additional personal debt and purchased a used car at the same value as our totaled car. </li></ul>I’m a hard working entrepreneur who is dedicated to growing my business.  We’ve received an incredible response to our label and continue to receive a nice amount of press, which has compelled us to move our direction into wholesale.  I pay my bills on time and am passionate about growing our business.   7 2007-02-05 09:22:50 Open For Duration 4B583365437278340350D44 0.00500 false <NameValuePairs><NameValuePair><Name>Co-Founder</Name><Value>http://www.prosper.com/listing_images/93340/1651096088.jpg</Value></NameValuePair><NameValuePair><Name>Co-Founder</Name><Value>http://www.prosper.com/listing_images/93340/1335278917.jpg</Value></NameValuePair><NameValuePair><Name>Beautiful & Brilliant (c)</Name><Value>http://www.prosper.com/listing_images/93340/191008235.jpg</Value></NameValuePair><NameValuePair><Name>Creative Genius (c)</Name><Value>http://www.prosper.com/listing_images/93340/2003054913.jpg</Value></NameValuePair></NameValuePairs> false 6E4E3380529006490524283 0.20500 93340 45C63381150733631A20235 0.00000 2007-02-04 22:27:26 Withdrawn Growing Smart Kids 0.00 5000.00 5000.00 0.00000 0 0.09000 SAN ANTONIO 0.10000 0.10000 TX 2007-02-04 20:45:39 HR 0.31000 hard working person.. need second chance.. help catching up with bills.. 7 2007-02-05 14:38:18 Open For Duration CD0E3364909037313F32874 0.01000 false false 647C33814949673697A58BD 0.09000 93341 BBF3338006579488302B153 0.00000 2007-02-04 20:45:39 Withdrawn Personal Loan 0.00 3500.00 3500.00 0.00000 0 0.26000 Lewisville 0.29000 0.29000 TX 2007-02-04 20:46:46 NC I am relisting this loan for a second time. I am 37 years old, married for 19 years and have two children ages 15 and 12.  I am not sure why I have a NC credit rating because I have had plenty of credit.  I have had credit cards, mortgages and car loans. I am in need to pay off medical bills that my family has incurred.  I had a back injury several years ago and had to have surgery.  My son had to have knee surgery when he was in the 7th grade.  We also had to buy him a special brace that was pretty expensive so that he could continue to play sports.  My son and I are both doing very well now.  But I would be better if I didn't have the stress of the collections agencies calling me for these medical bills. I went through three job loses in three years.  I have been at my current job for two years and it is a stable company.  My wife changed jobs this past year and we were able to pull her retirement from her old job to pay off our credit card debt but did not have enough to pay off our medical bills.  We felt like the credit cards were the more important debt to payoff.  Since we pulled her retirement we are going to have to pay the IRS this year $1000 so we would part of this money to pay the IRS.  We have never had to pay the IRS before and were hoping for a refund to pay the medical bills off but that is not going to happen.   Our income is as follows: Mine:  $4000 a month after taxes Hers:  $1666 a month after takes Total:  $5666 Bills: Rent:          $1075 Car                700 Elec               250 Water              70 Phone            100 Insurance       152 AFLAC          132  (I have injury and a Cancer policy so if something happens to one of we will be able to pay our loan)Cell Phone           120 Gas               100 Gas for Cars   400 Food              500 Total             $3599 That leaves us $2067 a month for tithing to church, putting money in savings and paying our Prosper loan. We promise we will pay our loan on time every month.   Thank you, 7 Open For Duration 32B73370531252720197CA7 0.03000 true <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93342/166223756.jpg</Value></NameValuePair></NameValuePairs> false 2FFA33800695965529144E9 0.26000 93342 965633806713876822320B9 0.00000 2007-02-04 20:49:11 Active Relist-Payoff Medical Bills and IRS 0.00 10500.00 10500.00 0.00000 0 0.20000 chicago 0.20000 0.20000 IL 2007-02-04 20:52:36 HR 0.33000 I am seeking a personal loan to help out with some expenses and basic life necesities. I have a steady income and have been at the same job for over 6 years. My pay is direct deposited and have NEVER had a NSF. 10 2007-02-05 07:37:29 Close When Funded 0.00000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93344/1225605963.jpg</Value></NameValuePair></NameValuePairs> false 6C01338132882508770D54B 0.20000 93344 1CAD3381134560906655118 0.00000 2007-02-04 20:52:36 Withdrawn In Need 300.01 13499.99 13800.00 0.00000 6 0.16500 Paola 0.18000 0.18000 KS 2007-02-04 20:58:09 C 0.21000 My wife and I are looking at paying of a couple of credit cards and personal loans that we have taken out over the last few years.  It will allow us to increase our credit scores, due to high balances on our credit cards.  We did not know that carrying a high balance on our 0% credit cards would hurt our credit, until it was too late.  We have been trying to get them paid down, or transferred, but have not been able to.  We have never paid a loan late, and do not ever plan to.  Our situation looks like this My income = 900 Gross per week Wife = 1000 every two weeks Mortgage = 1200 Car = 233 Van = 149, but is going to be paid off balance is 600 Chase = 140 will be paid off 3400 HSBC = 100 will be paid off 2100 Direct Rewards = 50 will be paid off 600 Personal Loan = 97 will be paid off balance 1400 Freezer = 147 will be paid off 1800 Nebrask/Furn. = 30 649 will be paid off All Student loans = 163 =18,685 By getting this loan, it will make our lives a lot less complicated and only leave us with Mortgage payment Student loans Car We will continue to pay our payments just like we have in the past.  Never late. 7 Open For Duration 32B73370531252720197CA7 0.01500 false true 9D5733818019942133D11E1 0.16500 93345 03D43380904060843F8518E 0.02170 2007-02-04 21:01:14 Active Simplify life Consolidate!!! 0.00 3500.00 3500.00 0.00000 0 0.14000 RALEIGH 0.15000 0.15000 NC 2007-02-04 21:00:36 HR 0.13000 I've been trying to get a loan and now it's at the point where I really need it badly. I'm taking care of my 11 month old son and most times I have to sacrifice the things that I need for myself to get things for him. I'm not asking for anyone to feel bad for me, I just need someone who can find it in their heart to give a single mother in need a chance. Right now I'm fighting to keep my head above water and my job doesn't pay nearly enough to cover utilities, daycare, food and any other necesities. If there is anyone out there who can help us, we would really apprecite it. Thank you. 7 Close When Funded 3D4D3366260257624AB272D 0.01000 false false F0CA3381366772836D8A5DD 0.14000 93346 ABF43369750503708C3A679 0.00000 2007-02-05 09:40:43 Active Hoping for a miracle. 0.00 11000.00 11000.00 0.00000 0 0.24000 Elma 0.24000 0.24000 WA 2007-02-04 21:01:36 E 0.35000 Hi Prosper members!  Thanks for taking the time to look at my loan request.  I hope that this posting will attract a lot of investors.  Let me tell you my story.  I am seeking $11,000 as a down payment to purchase a beautiful 20 acre parcel of land that I can build a small home to raise my family.  I want to build this home myself so that I do not have to owe any mortgage company or bank any money.  The current owners are willing to take a contract and I would much rather pay real people so that they are benefiting instead of a large corporation.  That is the primary reason I am seeking a loan on Prosper.  When we sell our current house and 5 acres we will have the cash to build without a construction loan or future mortgage.  The land will be paid off in 10 years and we will own our house free and clear and we will be able to pay our children’s college tuition.  Our land payment will be $429.  That payment plus is much less than our current $1350 mortgage payment. I am hard working with a stable government job and I pay my debts.  I am currently the only one bringing in income.  My wife is unemployed and is having trouble finding something.  She has telecommuted for the last 6 years. We want to downsize and move closer to town so we don't need her income although she will continue looking for something. This move will put us closer to our children’s school and town for sports and other activities.  This will also open more work opportunities for my wife because getting kids to and from school and other activities won't be so difficult if one of us isn't available because we will be closer to others who are also taking kids.    My credit report is showing current delinquents caused by my wife’s under employment and unemployment in the last year. I have done a lot of catch up in recent weeks and I believe these delinquents have been paid and will hopefully be coming off the credit report in 30 days.  I did not include overtime in my income.  The screen I see before I listed this says my DTI is 26% with my income shown on my W2 from 2006 which include overtime (I only listed my base income for prosper purposes) my DTI would be 23%.  I'm not sure why it shows higher on my listings. We are offering the highest interest rate our State will allow.  By loaning this money you will be assured of helping out a good decent family, and in return, we will be paying into your future.If you have any questions, feel free to e-mail me a message.  Thank you! 7 Open For Duration 0.00000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93347/798614011.jpg</Value></NameValuePair></NameValuePairs> true 29A43381303170750718007 0.24000 93347 47D3337895288542927AB58 0.00000 2007-02-04 21:01:36 Active Reduce our living expenses and you get 24% interest 0.00 17000.00 17000.00 0.00000 0 0.13000 birmingham 0.13000 0.13000 AL 2007-02-04 21:11:43 E 0.13000 I just turned 58 but my mind says im 20. I went thru divorce that hit me like a truck then had 2 surgeries 6 weeks apart and the combination led to the bankruptcy.  ive never been late with my house payment and i am the sole support of my daughter and 3 grandsons. i work and work and would like to have this student loan paid off before i retire. 3 years would be great. i looked into refinancing my house to take out equity but it was going to cost me 10000 just to close. please help. i am ms responsible. thank you. 7 Open For Duration 0.00000 false <NameValuePairs><NameValuePair><Name>im working contract pharmacist in anchorage</Name><Value>http://www.prosper.com/listing_images/93348/91823599.jpg</Value></NameValuePair><NameValuePair><Name>my daughter and 3 grandsons live with me-my oldest grandson and my daughter have fragile x</Name><Value>http://www.prosper.com/listing_images/93348/1283464681.jpg</Value></NameValuePair><NameValuePair><Name>this is me in my front yard</Name><Value>http://www.prosper.com/listing_images/93348/1819861527.jpg</Value></NameValuePair></NameValuePairs> true D471338170094097061F297 0.13000 93348 EB0B3381039653593F90B74 0.00000 2007-02-04 21:11:43 Active pay off that student loan 0.00 25000.00 25000.00 0.00000 0 0.22500 Albuquerque 0.24000 0.24000 NM 2007-02-04 21:18:15 C 0.67000 ABOUT ME: I am 37 years old, married for 11 years, 3 children ages 6, 9 and 10.   I have worked as a Respiratory Therapist for the past15 years, and have a very solid work history. I was just nominated employee of the year at our 2006 Christmas party.   I was just accepted in a Real Estate training program by one of the largest Real Estate companies in New Mexico, and I will be finished with the program in April, and take my exam by May. I am making a career change for several reasons, which include, spending more time with my family, and being home when my kids come home from school. Also, my husband should be getting a promotion in spring, which will include an extra 20,000 per year plus bonuses.   I sell AVON, Mary Kay and on Ebay which adds an addition $400.00 to my income monthly. And be aware that my score does not include my husbands income.Actual DTI:  38% EXPLANATION OF BAD CREDIT:   My purse was stolen last year, and one credit card company won’t help me to clear up the charges, that is the one delinquency that I am currently trying to fix.   My score is improving due to changing my mortgage to a BIMONTHLY plan, which is automatically deducted every 2 weeks, my high interest credit cards, and personal loans.   Also, my extra income I make with AVON, Mary Kay, and Ebay have significantly helped us increase our Income.   My husband also pays Child Support for his first son.  He will be making his last payment in June 2008, which will add an additional $525.00 to our income next year!!!   WHAT I WILL DO WITH THE MONEY LOANED TO ME: My loan will go towards paying off the credit cards, which include Capitol one, American Home, and Discover.   I will also pay off Beneficial and all the personal loans.  The amount owed to clear up these accounts is $ 22,400.00   I owe $3300.00 to personal loans, $ 4000.00 to Discover, $ 5600.00 to Capitol one, $7000.00 to Beneficial, and $2500.00 to American Home.   The remainder of the funds will go toward remodeling a spare room for my office when I finish my Real Estate program, which will include new furniture, a computer and other office supplies.   I promise to also become a lender in the prosper community and give back to others that are looking for a fresh start.    If my loan is approved, I guarantee that you will see an increase in my credit score and debt to income ratio, and I promise to make every payment on time. MONTHLY FINANCIAL DETAILS: Net income after payroll deductions from all sources: $2800.00 Spouse's Income: $ 2600 Total monthly family Income $ 5450 MONTHLY EXPENSES: Mortgage/Rent: $ 1000.00 Phone: $ 40.00 Gas: $ 100.00 Electricity & Water: $ 110.00 Car Loan and Operating Expenses: $ 750.00 Food and Household expenses:  500.00 Insurance: $ 200.00 Cable/Internet: $ 80.00 Credit cards:  240.00 Personal Loans:  360.00 Beneficial Loan:  160.00 ___________________________________ TOTAL EXPENSES per month:  $ 3540.00     I will have $ 1500.00 after my prosper loan payment. CLOSING REMARKS TO LENDERS:   I will gladly accept any comments about my listing or my credit history and will provide any necessary documentation to secure this loan r 10 2007-02-05 11:11:57 Open For Duration 32B73370531252720197CA7 0.01500 true <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93349/1291514830.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93349/1232270391.jpg</Value></NameValuePair></NameValuePairs> true 4E2633811417340102D7A41 0.22500 93349 15DC3380077037673FA5F01 0.00000 2007-02-04 21:47:05 Withdrawn Relist w/higher interest - actual DTI 38% 0.00 5000.00 5000.00 0.00000 0 0.25000 san clemente 0.25000 0.25000 CA 2007-02-04 21:18:33 NC 0.08000 Hi,      i need some one out there to help me...Im stuck in a bad place and i need to dig myself out. I need to get my life on the right track......PLEASE help.. My credit wont let me do anything and i have big plans for the future.... and nowhere to start 7 2007-02-05 20:54:56 Close When Funded 0.00000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93350/1051946413.jpg</Value></NameValuePair></NameValuePairs> false 376633806192257658DAE55 0.25000 93350 E60B33806215357139DFED8 0.00000 2007-02-04 21:18:33 Withdrawn need a push in the right direction 0.00 8500.00 8500.00 0.00000 0 0.02000 Washington 0.02000 0.02000 DC 2007-02-04 21:19:41 HR 0.13000 This loan is to assist me with tuition for my daughter that is a junior in college. I retired after 28 years as a professor and relocated to assure that my daughter will finish college. She has a 21 month old child and the cost of living is very high in this location. I also need some extra funds so that I can bring current some of my obligations. I receive a retirement check and I am currently employed. I will not have any trouble with repayment of this loan. Thank you for your consideration. 5 2007-02-05 17:13:04 Open For Duration 493D3364456994328083639 0.00000 false true 818533817234706026A51BA 0.02000 93351 C7F83381629379227CF8149 0.00000 2007-02-04 21:19:41 Withdrawn College Tuition for Daughter 50.00 2750.00 2800.00 0.00000 1 0.29000 Pelham 0.29000 0.29000 AL 2007-02-04 21:25:12 HR 0.05000 My name is Walt Weller.  I am requesting a loan to consolidate my higher-interest debt. Credit Rating: HR There are 12 delinquencies on my report, and many stem from post-divorce issues and involve revolving credit accounts.  My public records accounts are ridiculous, and I'm ashamed to have to admit that they stem from burying my head in the sand during rough times.  I got married a few months ago, and began to work off my issues, but two step-children came with the marriage, and their father suddenly stopped paying any child support, so I had to re-prioritize, and my revolving credit accounts were the lowest on the immediate list at the time.  We've pulled together a plan to cover the worst of the finances, and all of the public records are paid in full, and I’m in the process of re-building my relationships with the creditors on all of the recent delinquencies, but I could really use your help to get caught up! Detailed Budget: Income: Monthly Income -- $4360 Monthly take home pay -- $2992 (after taxes, medical, auto, & renters insurance) Current Expenses: Rent: $700/mo Car payment: $411/mo Utilities: $315/mo Food: $400/mo Gas: $100/mo Current credit card payments:  $145/mo Total Expenses:  $2071 Income after Expenses: $921 New Prosper loan -- $118 As you can see, I can easily afford this new loan. Thank you so much for taking the time to review my listing.  Please do not hesitate to contact me with any questions.  I promise you won't be disappointed if you take a chance on me! 7 Open For Duration DF643377029116179E7EDA3 0.00000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93352/840583229.jpg</Value></NameValuePair></NameValuePairs> false 1E3C3381448660302C30EBB 0.29000 93352 61C63379766247569D940E2 0.01780 2007-02-04 21:25:12 Active Debt Consolidation 110.00 9890.00 10000.00 0.00000 2 0.28000 Belleville 0.28000 0.28000 IL 2007-02-04 21:28:10 E 0.21000 Happy New Year!  My name is Kevin Taylor, and I'm here to get assistance with financing of my future.  I have a family, stable job history, and I'm a disabled vet.  I am here to get funding for investment property, this funding will clear the way for me to get all the necessary roadblocks out of my way so I can begin to move forward with the process.  I maintain a budget for my household, have money invested in stock and 401k, but this is money I would prefer not to touch if possible.  I could save the money, but it would take me a good year and some change and some opportunities only come once in a lifetime.  So I am here at prosper.com to get assistance with this funding.  Here is a breakdown of my budget.  Net Income from Job: 2895.10 plus disability payments of 112/month total per month 3007.12.  I maintain a monthly budget of less than 2500.  I also receive income from my website www.emoneyfusion.com although not enough to report to the IRS but the ball is rolling and hopefully will snowball sometime in the near future. Expenses   Rent               875 Utilities           240 Food               200 cbl/phn/int       130 clothing           75 insurance        92 auto                583 cell phone       130 Total:               2325 If more information is needed please feel free to email me at emoney@emoneyfusion.com 10 Open For Duration 0.00000 true <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93353/1891499743.jpg</Value></NameValuePair></NameValuePairs> false 59D53381380459036D7549C 0.28000 93353 56683375169337493913887 0.01100 2007-02-04 21:28:10 Active Creating a Better Tomorrow 10000.00 0.00 10000.00 0.00000 100 0.14700 edwardsville 0.15000 0.15000 KS 2007-02-04 21:42:50 A 0.14000 Hi I,m a 35 year old father off one.For the last few years I have been wanting to start my one business, running about 2 vending routes, plus making local deliveries[packages, appliances].To do this I need to purchase two contracts for a 10000+, thats the reason I,m looking for funding from Proper members, I have been employed as an LPN at a rehab hopital for the last 4years, I have been in the proffesion, for 12years.I just finished paying off my house. I make 2000-3500  monthly, Housing            =143[House paid for, this is just the maintainence fee] Transportation   =200 Insurance          =60 Food                 =100 Credit cards       =200 Household/misc:=200 Total  expenditure                =903 After Prosper Income from regular employment=1500 Profit from Business                  = 6200  Expense Transportation   =200 Insurance          =60 Food                 =100 Credit cards       =200 Household/misc:=200 Business cost    =1200 Propser loan       =500 Total expenditure=2,603 Saving =5,097 Thanks for taking the time to read this. 10 Open For Duration 2D523366875352960F3C033 Vetting results for this listing will be posted in the forum 0.00250 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93355/2109265778.jpg</Value></NameValuePair></NameValuePairs> false F4933381336158928028763 0.14750 93355 61DA3380365209770B942A8 1.00000 2007-02-04 21:58:34 Active help, Starting a Business 0.00 8000.00 8000.00 0.00000 0 0.07000 Alger 0.07000 0.07000 OH 2007-02-04 21:45:46 HR 0.21000 Hi, My name is Wilma and I am in desperate need of getting a loan to payoff all credit cards and medical bills.  I have a bankruptcy that is 30 years old on my credit report.  I am presently way behind with my credit cards and medical bills.  I have a mobile home on a rented lot with $360 for mortgage/rent, my utilities are $240 monthly.  If I could get this loan, I would payoff all credit cards and medical bills and even my car loan which that payment is $153 monthly.  I had a car/deer accident and ankle surgery in the last year which led to me falling behind.  I then made a mistake of falling into the credit card trap.  If I could get this loan, I would have a chance to turn my credit situation around.  I take home $1700 monthly minus $360 and $240 for mortgage/rent and utilities and this loan payment, I would have enough money left to live on.  This would free me of all credit cards, medical bills and car loan.  I  ask that you would please give me a chance to prove myself.  I am very dedicated to my job, single and a hard worker.  Please give me another chance.  Thanks for your time.  If you need any more information, please email me at <a target="_blank" href="mailto:wilma@wcoil.com">wilma@wcoil.com</a>.  Thanks again.  Wilma 7 Open For Duration 18DA336463918236939DCE7 0.00000 false false 3D053381643574966E027EB 0.07000 93356 10EF3368992134735DE8FD9 0.00000 2007-02-04 21:45:46 Active Need Help 0.00 10000.00 10000.00 0.00000 0 0.17000 Miami 0.17000 0.17000 FL 2007-02-02 18:07:46 HR 0.29000 Background: I am married with 1 child. I’m depending on my employment income and going good, I have kept my payments up to date on my credit cards; I started my video and photography firm in 2005, Which is a Corporation that I-m looking to expand. Why a loan: I have a credit score not to high because my credit is new, and to many inquiries product of visiting car dealers to purchase a car, so usual banks wont see me as a good business, my services are starting to grow in demand, which is good. The problem is, I cannot afford to invest 4 weeks of full time (time to develop a new customers portfolio) with nothing else coming in to pay bills.  So I  have to ask for the minimum in my state, which is $10,000., money that I will use to expand my business with more advertising, sales and equipment. How to repay: I will make my payments on time each month, using Prosper's auto pay feature. I do hope to pay more each month than I am obligated so that the loan is paid as soon as I can. One of the problems is that I use credit cards to finance supplies and advertising for the business - for example, photo paper, ink cartridges, DVDs, CDs brochures, catalogs etc. for a client, the client pays me the next month and I pay the credit card. So, it looks like there are high balances. There are no delinquencies, public records, or late payments ever!I want to get to a point where the business can stand for itself out of my personal account, but I’m still growing. INCOME Net pay              $    1600 Part Time Job     $   1000 Wife net pay       $     500 Free lance works$     500   TOTAL INCOME: $  3600 EXPENSES Rent               1200 Electric             100 Water                 40 Phone/Internet  120 Cell Phone          50 Auto Loan          304 Auto Insurance   160 Credit Card # 1     30 Credit Card # 2     30 Credit Card # 3     30 Credit Card # 4     30 Credit Card # 5     30 Furniture Bill         40 Food                  250 Cable TV              55 Gas for Auto       120 School Lunches   40 Spending            150 Total Expense: $ 2779 Balance left before to pay loan: $821   Future Projection The business does as well as It should it will produce 350,000 by the end of this year - this would happen if I obtained 25 clients.  The business expenses are 30%, which means 70 % will remain to make the Prosper payment. I would like to thank you so much, for taking the time to read this. I hope you can help me.   Best Regards 7 Close When Funded C08E336557955239372B0E1 0.00000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92614/627151930.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92614/618818452.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92614/918676779.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92614/423683475.jpg</Value></NameValuePair></NameValuePairs> false A9B93380516239545E0805E 0.17000 92614 37CA337566584692531D712 0.00000 2007-02-05 14:18:13 Active Bussines Expansion 750.01 8249.99 9000.00 0.00000 4 0.20500 Overton 0.21000 0.21000 TX 2007-02-02 06:41:34 D 0.36000 Hello, Thanks for taking the time to consider my loan. This loan request is a means to an end. With this loan I will clear my high interest credit card debt. I have an excellent payment history, but suffer from very high balance to limit ratios. All of these accounts have been dormant for quite some time (2 to 3 years) yet with the high interest rates, I am unable to pay down any of the balances. I just continue on the same old cycle of paying interest. I have learned the secret of debt, and that is to have as little as you possibly can, and pay that off as soon as possible. Well I did not listen until recently when I bought a course from John Cummuta, who teaches the points of his Debt-to Wealth system. This made me want to get off my butt and get rid of this debt and put my family on the fast lane to building a new home. Thanks again for your consideration. Total income $2700.00 (No Overtime or Extra Income) Rent/Mortgage $0 (Live in Res Owned By Family) Utilities         $400 Credit Card 1 $40 (will pay off with this loan) Credit Card 2 $35 (will pay off with this loan) Credit Card 3 $18 (will pay off with this loan) Credit Card 4 $87 (will pay off with this loan) Credit Card 5 $76 (will pay off with this loan) Credit Card 6 $47 (will pay off with this loan) Other Debt    $50 (will pay off with this loan) Groceries      $500 Gas              $400 --------------------------------------------------- Total bills $1,653.00 Leaving $1047.00 to use to repay this loan. 7 Open For Duration C9643379247860156A00EC0 Dennis was very diligent in getting together all the information I requested while working on this listing. I verified his utility bill and pay stubs (he has two jobs). As always, we will be the first to bid! 0.00500 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92270/456028990.jpg</Value></NameValuePair></NameValuePairs> false E36D3380368455894AFB206 0.20500 92270 82CC3378165047600525EA3 0.08330 2007-02-04 21:57:08 Active Help me clear my high interest credit card debt!! 0.00 8000.00 8000.00 0.00000 0 0.22000 Fort Washington 0.23000 0.23000 MD 2007-02-03 15:03:02 HR 0.22000 10 Open For Duration 5AFC33643897547591BD1C8 0.01000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92907/580999260.jpg</Value></NameValuePair></NameValuePairs> true 3FBB3381578081835E2C06E 0.22000 92907 A56C338128331367442748F 0.00000 2007-02-04 04:23:37 Active Pay off Interest 200.01 24799.99 25000.00 0.00000 3 0.16500 panama city 0.17000 0.17000 FL 2007-02-03 15:06:35 C 0.28000 I am Ex-military now I am a independant contractor for Fedex. I currently own 1 route and truck. I am looking to expand my business and clear some debt incured with vehicle cost (these things are expensive) due to maintenance, replacement and repair of the trucks parts. I have been with the company for a year now and have made great money with them. I will be purchasing new routes and trucks also employing drivers. It is a very lucritive buisness when you have the capitol to expand. Thanks to all on prosper.com and keep reaching for more out of life!! 7 Open For Duration 5AFC33643897547591BD1C8 0-0-0, good rate... 0.00500 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92908/512311751.jpg</Value></NameValuePair></NameValuePairs> true 2CDA338117832145246D3F5 0.16500 92908 EF933381041967698C5230D 0.00800 2007-02-04 04:23:32 Active Building on my business 0.00 6001.00 6001.00 0.00000 0 0.21680 Hagerstown 0.22680 0.22680 MD 2007-02-03 15:49:38 HR 0.14000 I am a 20% disabled veteran, glaucoma, of the United States Army.  I served in Operations Desert Shield & Desert Storm.  For over 15 years I worked in the Information Technology industry.  Over the past 5-6 years I had been hit with some hardships.  Those include two layoffs and family medical expenses.  I have since gotten out of the industry and am working with children.    I am looking to borrow money to pay off some deliquent accounts I have.  This loan would allow me to eliminate 8-9 deliquent accounts and give me some breathing room financially.  My wife and I are in the process of paying off our larger bills and hope to buy a home later this year. I believe I am a good candidate for this loan because I have decided to get completely out of debt.  I have developed a plan and my wife and I are sticking to it.  This loan would help us expedite the process and at the same time establish relationships with others.  I would like to get my family in a place where we are the lenders and not the borrowers.  I would be using my monthly VA Disability payment to pay off this loan.  7 Close When Funded 5AFC33643897547591BD1C8 0.01000 false false 45723381235538474DA34E0 0.21680 92921 B28D3377015536021028EA6 0.00000 2007-02-04 04:19:34 Active Debt Elimination 125.00 4875.00 5000.00 0.00000 2 0.18000 Wichita 0.18500 0.18500 KS 2007-02-03 16:59:06 D 0.26000 Personal Background: Hello to all! I'm a proud father of three (2 daughters and 1 son), a full time student with a double major in management and marketing and two minors in human resources and entrepreneurship and I'm also making the move towards being self-employed.My Financial History:I'm here mainly to help get several issue in order at one time. I started out working a great job and taking care of my children, once the state found out that I wasn't married to the mother they started taking not only current support, but back support for the last 7 years. Needless to say I was unprepared for the sudden change and came up short. Credit cards and bills fell behind and I lost my job during that time (2002). Since then I've been getting back on my feet, slowly but surely paying off or settling my past due bills. I have Veteran benefits that I use for my education and I am set to graduate in May. During that time, I've worked part time at a night club as a DJ and as a marketer and web designer. I've since left the DJ job to go out on my own to earn more money and more flexibility to allow for my last semester of college.I am close to paying all my bills off and graduating and I am unwilling to file for bankruptcy. Why am I here you ask? I've been able to catch up with most of my bills, but some just won't work with me. On top of that, I have more potential with my web design (<a target="_blank" href="http://www.jasarius.com/">www.jasarius.com</a>) and DJ service solo, but some companies and locations won't work with me because I am not a business and not many are wanting to write a check out to me personally. The opportunity cost are high while I wait be 'official' in their eyes. I want to put these demons to bed and get on with my life. I've separated my request into groups to show you what it will be used for. My Income: My yearly salary for 2007 will be approximately $22,000. I usually average around $25/hr, but I only work 16 - 17 hours/week. I also have taken over a mobile dj service that should generate an additional $200 - $300/month. Monthly Gross Wages: $1700 (w/o DJ service) Bills I want to consolidate: $873.61 to settle a debt (Captial One credit card) $950.00 to settle a debt (Sears credit card) $278.96 (AT&T) Funds towards personal business: $2400.00 (business equipment, contracts, license, etc.) Fund towards personal improvement: $1700 for a lawyer (flat rate to change child support, lower amount, increase visitation, etc.) Total: $6202.57 Monthly Expenses: Rent: $360.00 Car: Paid Off Car Insurance: $43.00 (12 mo Policy) Gas/Heat: $Included Cable, Phone, Internet: $110 Groceries: $150.00 Student Loan (Perkins & Sallie Mae) $100 Credit Card Debt: $200 Child Support: $500.00 Total Expenses: $1463.00 Amount left over after Total Expenses: $237.00 (this doesn't include income from DJ service @ $200 - $300/month) I'm asking for $5000 to keep my monthly payment down and because I have raised some money already towards this without having to dip into my normal budget. I attached an invoice from one of my clients as proof of income. Lenders, please take a hard look at my position. I know the big fat 'D' doesn't make matters better, but I'm low on options. Bank won't approve and title loans are stupid. Thank you for your time. Sapper's Forward 10 Open For Duration 5AFC33643897547591BD1C8 Good rate... 0.00500 true <NameValuePairs><NameValuePair><Name>Me</Name><Value>http://www.prosper.com/listing_images/92945/2103272334.jpg</Value></NameValuePair><NameValuePair><Name>My lovely daughters...stylin' their typical 'field expedient" hair style</Name><Value>http://www.prosper.com/listing_images/92945/1595947282.jpg</Value></NameValuePair><NameValuePair><Name>My son</Name><Value>http://www.prosper.com/listing_images/92945/222326495.jpg</Value></NameValuePair><NameValuePair><Name>Proof of income</Name><Value>http://www.prosper.com/listing_images/92945/1200335417.jpg</Value></NameValuePair></NameValuePairs> false 30DA3381370259064E4DA04 0.18000 92945 65883379331989937C3819E 0.02500 2007-02-04 04:21:19 Active Please help me not to go to PayDay Loans 2600.00 0.00 2600.00 0.00000 12 0.24950 batavia 0.29000 0.29000 IL 2007-02-03 19:55:23 E 0.31000 I am looking to get into the rental and rehab market. I recently purchased a home in the western Chicago suburbs and rehab is underway. My husband owns a remodel company, so I have access and capabilities to take care of the properties.Here are the facts:Monthly income, (including my husband), is $10,166.00 to $13,000+ Monthly expenses, including the house we just purchased are as follows: Mortgage: $2640.00 Utilities:        260.00 Auto loans    840.00 Credit Cards 268.00 Insurance     177.00 Misc.            900.00 Total Expense: $5085.00 Total Surplus:$5081.00 +++ We look forward to working with Prosper and investing in other borrowers as well. I can have this paid off early without any problem. We are using our extra money on the house we purchased recently, and have an opportunity to purchase the rental property in Indiana, and don't want to pass up a good opportunity. Thanks for your time and considerationl. Feel free to contact me for any information. God Bless! 10 Open For Duration EF1133765531293222EC358 0.04000 true <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92985/128218145.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92985/17984894361.jpg</Value></NameValuePair></NameValuePairs> false 77143379652281315B4E9CD 0.25000 92985 C028338122796353383F7BA 1.00000 2007-02-04 05:10:21 Active Downpayment for Rental property 0.00 5000.00 5000.00 0.00000 0 0.16000 Fairmont 0.17000 0.17000 WV 2007-02-03 20:17:14 E 0.51000 Hi. I am a single Mom with two kids in college who as decided to go back to college to obtain a Registered Nursing Degree.This is something I have always dreamed of and decided now that both my kids were on their way to getting their degrees and becoming self sufficient that I would "go for it" and return to college for a second degree. I want to "pay it forward" - that is pass along to someone else the caring, compassion and support I have gotten through the years from my parents, sisters and children.  I have struggled off and on financially since my divorce from someone I was married to for 19 years. We had debt I didn't even know about that of course I was half responsible for. When I have been able to pay on that old debt I do. I work full time as a Medical Technologist at a laboratory I have been employed at for 30 years. I am a hard worker and a good citizen. I am honest and trustworthy and have tried to do the best I could do given the situation I was put in. I am looking for a small loan of $5,000 to make it easier for me to get through school. A little money to put away for emergencies since I can no longer work a second job due to my academic schedule. I pledge to you my promise to repay you on time and in full if you can find it in your heart to help me fulfill my lifelong dream and go on to serve our country and the people in it as a caring, kind, understanding nurse. Thank you in advance for your consideration. I welcome any questions.  Thanks. 7 Close When Funded 3D4D3366260257624AB272D 0.01000 false <NameValuePairs><NameValuePair><Name>Single Mom - Credit Problems Due to Divorce - Not Giving Up - Striving to Improve My Quality of Life and that of others</Name><Value>http://www.prosper.com/listing_images/92993/1343626409.jpg</Value></NameValuePair></NameValuePairs> true C64433813799494508E0ED1 0.16000 92993 8DF933693364767362F48DE 0.00000 2007-02-04 11:12:09 Active Financing An Education 50.00 6015.00 6065.00 0.00000 1 0.19500 westworth village 0.20000 0.20000 TX 2007-02-03 20:28:18 D 0.45000 Hello to everyone,I am reposting my loan because I got some advice to raise my interest rate and be more detail so thats what i am doing.. thanks for all the advice. Let me first thank you all for coming and taking the time to read my loan and thank you in advance for your generousity. Let me also tell you that you debt to income ratio is incorrect, when I first did the application for prosper I didnt know I was suppose to include my wife and my income together when it asked me for my income. So the debt to credit ratio really should be around 12% or so if included my wife income she earns now. Also my credit is high because I help my middle son get a house for him and his new little ones. Also the cars my kids have are under my name. Also the reason for my 99+ past bills are incorrect I am with a CCS a credit card company that consolidated my credit cards and all my bills in the past together to one payment I pay monthly and I have been paying them for 5 years now on time. But the main reason I need this loan is to get me a car because of my wreck and pay off my remaining debt. The reason for this loan request:The reason I am needing this is to pay off our past debt we collected from my car wreck. I recently got into a car wreck with my truck which was paid off and turns out the other guy didnt have insurance so Im out of a car and I need one for work but I need to pay it cash so I dont have a car note. I want to use the loan to pay off some of my CC Cards and get myself a car cash so I wont have payments and pay back the bank high interest because of my credit rate. Id rather pay back prosper lending with my interest not some big bank. Little bit about myself and my family:We are guamanians born and raised in Guam Hafa Adai ..(hello)......I am 47 years old 47 I have been in the Navy for 20 years retired also we have been married for over 25 years now. We have 4 great kids a 28 son who is in the air force now, a 26 son who is a fireman (who has 3 kids), a 24 daughter who is going to college, and my little one who is 6 years now. My Wife works for the military for the past 10 years. Plans to pay off the loan:My plan to pay off the is once we pay off all our credit cards. We will have no problem paying the loan and will double our payments to pay it off faster to be debt free. My wife and I also plan after we are done paying off the loan we would like to start lending in prosper and help those like us and also at the same time raise our credit score. I think this place is great a place where people help people and leaving out the big business and hassles of going to a bank. Well that is our plan...Thank you all for taking the time to read this and helping us out to a debt free life 10 Close When Funded 3D4D3366260257624AB272D 0.00500 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/92998/376508706.jpg</Value></NameValuePair></NameValuePairs> false F3823379875263709511679 0.19500 92998 51A33380754370573BE7344 0.00820 2007-02-04 11:12:17 Active RELIST Help with CAR and CC CARDS 200.00 5800.00 6000.00 0.00000 1 0.14000 Mount Vernon 0.15000 0.15000 NY 2007-02-03 20:41:49 E 0.18000 Explanation of circumstances: I am currently transitioning from an indebted business owner to project manager at a big four accounting firm. My income will change from one that is highly erratic to one that is roughly 140K. Purpose of Loan: While I was recently offered and accepted a great position, it doesn't start until the end of February. In the meantime, I need some help covering my expenses. Occupation: Litigation Project and Operations Manager Length of employment: Starting End of February Current Debts: 1) Account: ATT Master a. balance: $13,934 b. interest rate: 10.8% 2) Account: CITIbank Master a. balance: $8,636.00 b. interest rate: 10.75% 3) Account: Bank of America Visa a. balance: $8,113 b. interest rate: 9.9% 4) Account: MBNA / BOA Mastercard a. balance: $15,070 b. interest rate: 9.9% 5) Account: Discovercard a. balance: $13,000 b. interest rate: 14%   Delinquencies: NONE Assumptions: Based on employment no later than March 1, 2007 Present Budget: $0 Income: $140,000 + bonus Pay Check: $7,300 / month (after taxes as of March 1, 2007) Expenses: Loan Payments: Rent: $1,400 / month Utilities and Gas : $60 / month Car Notes:  $400 / month (until March 1 – selling car) Insurance: $100 / month Credit cards: $2000 / month min payments Prosper Loan: $210 School Loan: $250 / month (Student Loan) Food: $500 / month Household/misc: $250 Total Expenses: $5,270   Left Over: $2,130 7 Open For Duration 2D523366875352960F3C033 Vetting results for this borrower will be posted on the forums. 0.01000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93000/474013591.jpg</Value></NameValuePair></NameValuePairs> false 49A933805239926647FE260 0.14000 93000 0D803380264263208A001A3 0.03330 2007-02-04 22:38:42 Active Transitional Loan 0.00 1000.00 1000.00 0.00000 0 0.10000 Chester 0.11000 0.11000 SC 2007-02-03 20:42:52 E 0.26000 Hi. I am a 28 year old married female. As my title suggest, I need this loan to consolidate some loans and repair my credit. For the past five years my husband and I have fought a losing battle with infertility. This journey has brought us many heartaches and much debt. My strong faith in God has pulled me through and I have moved on to the next chapter in my life. I went back to school and in May I will graduate with a degree in accounting. I have also found the job of my dreams with a great law firm and an awesome boss. I have been at this job for a year with every intention of being there until I retire!  My husband and I have decided we would still like to share our life and love with a child and are exploring the possibilities of adoption. I feel it would be unfair to any child to bring them into our home until we are financially sound, so that is what I am working on now. Please help us make our dream of a family come true!  With this loan I will pay off the following high interest small loans: Delta Loans $300 - $60 minimum payment Colonial Credit $600 - $93 minimum payment This loan will be saving me $121 a month! With the extra money I will first clean up my credit and then the extra money will go into our adoption fund. My verifiable net income per paystubs is $1300 per month. My budget will be as follows: Prosper $32 Transportation $160 Furniture payment $155 Food $325 Phone $75 Personal and entertainment $150 Credit repair and adoption fund $303 **I also get $100 per case bonus that is not on my paystubs. This amount varies every month. Last week I had eight cases.  I pretend I don't even have this money and sink it all into my credit repair and adoption fund. Also my husband earns between $900 - $1,500 every week and he pays all the bills not listed here. 7 Close When Funded 681B33776124366191924D5 I believe that Amanda has a burning desire to accumulate this money. She has a definite plan, a purpose and is ready to accept this money with absolute faith. Amanda has taken the responsibility of improving the quality of her & her families life!! Let us help her on her wonderful journey!!!! 0.01000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93002/418693492.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93002/370232350.jpg</Value></NameValuePair></NameValuePairs> true 068233807077997435B3300 0.10000 93002 83D0338004379651017791E 0.00000 2007-02-04 08:00:00 Active Help me pay off high interest loans and PROSPER!!! 700.00 2300.00 3000.00 0.01000 5 0.26000 emmett 0.28000 0.28000 ID 2007-02-03 21:23:27 E 0.87000 My name is Tiffany Silva. I am hear seeking you help! I am 18 years old. I have a 18 month old son and another son on the way due April 7th. I am currently married but living with my mom.   I want to start a home business threw coastal Travel. In order to start this business I need $1400 but I am asking for a loan of $3000 so when I start my business I will have some put off to the side so I can make my monthly payments. With me already having one son and anther on the way with Dr. orders not to work because I have premature labor it is very hard for me to support my family. My husband currently is working but it is just not enough. I understand that I am only 18 and many of you may not even consider lending me money but I have had to grow up fast in these last years. I lost my father to suicide at 12 years old and was thrown from family member to family member. My mom gave up her parental rights so I had to live with other family but they only wanted my brother and I for our SSI death benefits. Now that I am 18 and have a family my mom has come around to be there for her grandchildren she has helped me out tremendously but can only do so much. With your help I would be able to run my business from home, be able to support my family and be there for my kids while they grow up. I am begging for some financial help and you are my last hope.  If you want to read up on the business I am looking into you can go to WinningWithCoastal.com  Sincerely,   Tiffany Silva 7 Open For Duration C80D337515684920818AB06 Young mother trying to make a better life for her family. I encouraged her to increase the amount requested so that she can put half of the money into the savings, in order to make sure she can keep up with loan payments and have an emergency reserve. I'm bidding with my own funds. 0.01000 false <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93013/716365142.jpg</Value></NameValuePair></NameValuePairs> false D13E3381301200691F819F1 0.26000 93013 C83E338014283121091E832 0.23330 2007-02-04 09:45:18 Active start business 0.00 4000.00 4000.00 0.00000 0 0.12000 south richmondhill 0.15000 0.15000 NY 2007-02-03 22:25:55 E 0.18000  I am 31yrs old and have been married for 11yrs. We have a beautiful 6yr old daughter together. She is the joy of our lives. She is what keeps us going through the struggling times. Our credit was pulled about 20 something times in a 90 day period and has significantly dropped our credit score. We did not authorize this and are disputing the inquries but at the same time we do have credit card debts. Our mortgage payment at the moment is very high and we have been using majority of our money to renovate the house so that we can rent it out to help with the mortgage payments although we make our payments on time ever month it is tight. We are very responsible people. My husband works in the construction field but work is slow at the moment. It will pick up in the next two weeks. I  have my cdl and will eventually be able to get a good paying job driving a truck. I have my associates in accounting and am looking to get my bachelors in the near future the trucking job will help pay for that. I make $38,400 annually at the moment doing a side job it is off the books but can be verified by my boss with a letter. All we want is a good life for our family. By the way we also have a business but we don't have the funds to keep it running at the moment. We will keep it on hold until we get all our finances in order. Thank You in advance for your consideration in funding our loan. Itemization of debt:  mortgage: $5475 (never late)  gas: $30 light: $40 car payment: $135.12 (never late) car insurance: $274 misc expenses: $120  Total=$6074.12  Income: $1400 rental + $1875 rental + $3200 montly pay=$6475 minus expenses: $400.88 for prosper payments. credit card debt: $3725.25 consolidate debt: $4,000. we will use money from prosper for these reasons. God Bless you all here at prosper and may your dreams come true. 5 Open For Duration 32B73370531252720197CA7 0.03000 true <NameValuePairs><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93020/42609772.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93020/43134065.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93020/43134066.jpg</Value></NameValuePair><NameValuePair><Name></Name><Value>http://www.prosper.com/listing_images/93020/42544241.jpg</Value></NameValuePair></NameValuePairs> true DCBA3381235151188DA94EE