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Minnowbooster lists the ROI's that you would get if there wasn't a renewal. 23% is assuming that I always renewed the lease. If I did 0 renewals than the ROI is 50% of 23% or 11.7% since you would giving a loan for a week and then wasting a week waiting for your Steem Power back.

Thats low. You can just use @smartmarket to get 10% roi in a week from upvoting.