Finally, there is also an opportunity to profit by giving out loans. This includes mortgage loans. A business could be set up that allows investors to pool their money together and give out loans. The profits would come from the interest that is paid once the loan is repaid.
zopa.com? lendingclub.com ?
peer2peer lending is a thing already.
As someone who used to lend on Prosper, I'd advise to stay away. There's a reason a lot of these people can't get loans from banks.