I started using CrowdEstate in March 2018. Some payments are delayed, but end up getting paid (plus the corresponding compensation for the delay). About half of my portfolio are projects that are paid in full at the end (bullet), which implies that it takes several months for the return rates to reach its peak. I have invested in each of the projects offered. At first, I invested 200 EUR per chance, but soon changed to the minimum allowed per project (100 EUR). My strategy is to continue investing in each new project.