Thanks. Based on that, I guess the ultimate APY is... @officialjustlend

Yes, the ultimate APY is -4.76%, meaning a net loss. This is because the 0.42% APY earned on the investment is less than the 8.12% APY charged on the loan. The difference between the two is what results in the negative APY. This means that the investor will end up losing money in the long run, as they will have to pay more in interest payments than they will earn in interest earnings.

You should read again