Tracking my P2P borrower account - July (2008)

I am participating in Prosper as both a lender and a borrower. I lend money to fellow borrowers to help them get out of debt and also to generate a form of passive income. I borrow money from Prosper at a low rate in order to invest in higher yielding income streams to generate positive cash flow. I use both accounts (borrower & lender) as part of a larger portfolio of tools to generate passive income which will put my family and I one step closer to financial freedom.

Today I would like to provide a status on the Prosper loan that I took out earlier this year. For a history of activity prior to this month, please check out the following post - Loan Status - June (2008). When I last posted the status of my investments using this $1,000 Prosper loan, I had accumulated the following assets -

Stock - I purchased 46 shares of HTE (Harvest Energy Trust).
Cash Generated - As a result of selling Covered Call Options against my HTE (Harvest Energy Trust) position, I have generated $40.20 in positive cash flow.
Remaining Cash - I had $14.55 remaining in leftover cash after making the purchase of HTE (Harvest Energy Trust).

Current Status
There have been a few updates since the last status to these assets associated to my Prosper loan -

June Dividend Payment - I received approximately .535 shares of HTE (Harvest Energy Trust) as a result of the June (2008) DRIP payment. This brings the total number of shares owned up to 46.535.
Drop in Oil - There has been a significant drop in the price of oil since I last posted, which has resulted in a significant drop in the price of HTE (Harvest Energy Trust) shares. I purchased the 46 shares for an average cost of $24.99 (commission included). Since then, shares are off by more than 20%.

As of today (July 23, 2008), I estimate that value of the assets listed above at -

Shares - 46.535 @ $20.22 per shares = ~$940.94
Cash - $54.75
GRAND TOTAL - ~$995.69

While I am disappointed in the drop in price of shares of HTE, I believe the monthly dividend payments will help me continue to grow this asset. The last time I posted an update in June (2008), my total assets available was estimated at $1,164.09 and has since dropped by ~17%. The total payments required over the course of the 3 year loan are $1,095.07, so I am now ($99.38) behind. Any jump in oil prices should quickly push me back over this amount.