Thanks for noticing the maths error, fixed to 28.75%. The 26.5% is more than average for the market today as that lease is for 300K SP, so was accurate to say that. My personal average is 20% and has been that way for a few months, I expect it will start creeping up now.

I agree investing and hodling SP is the way to go, I don't know of any other investment that can give 20% APR while still having upside exposure, sure the downside risk will be there as with anything.