Again the rate is not guaranteed only projected.
Ok, I have included that fact in the feedback.

If you could make that much money, why would you borrow from and pay strangers such unsustainable rates? Get a bank loan, use your own money and keep 125% more profit.
Well because getting a loan from an actually bank is a pain in the ass at my age, even though I work for Bank of America. This just seemed like a reasonable way for me to get enough coin in one place to turn a profit. The investors would make money, I would make some money, and people would have easier access to loans (with proper collateral).
Started this with good intentions :/
You work for the Bank of America and you are running an unlicensed investment scheme? That's a good way to get fired.