I and many others all quit lending on Prosper while our ROIs were still positive.
According to how I calculate ROI, you were negative while you were still lending. Your $900 loan with 24 inquiries was already late before you stopped lending.
First, this was a social loan based purely upon forum participation and I have stated many times that I do not hold any grudge upon Prosper for allowing this loan to be originated or for in any way enticing me into the loan. This loan was purely my decision and other than the later lender side accounting issues with the bankruptcy, Prosper held to their contracts.
I considered it a social loan gift that was wholly separate from the rest of my Prosper loans. I thought of this one like Kiva. I never counted it in my returns. Notice that it was a very bad by the numbers E with only a 15% state capped rate. There was no way that a loan like that would have ever been funded except as a social loan.
If you remove that loan from the ROI calculations, I still had a positive return. In fact, if you don't count that one loan, I came out $42.49 ahead (not counting taxes).