Condensed Consolidated Balance Sheets - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Current assets
Cash and cash equivalents	$ 209,234,000	$ 432,608,000
Restricted cash	9,984,000	6,446,000
Short-term investments	62,054,000	0
Accrued revenue, net	24,434,000	15,363,000
Inventory	105,460,000	22,694,000
Loans held for sale	22,246,000	4,913,000
Prepaid expenses	8,391,000	11,916,000
Other current assets	5,763,000	2,307,000
Total current assets	447,566,000	496,247,000
Property and equipment, net	37,560,000	25,187,000
Right-of-use assets, net	45,513,000
Long-term investments	38,480,000	0
Goodwill and intangibles, net	11,626,000	11,992,000
Other non-current assets	11,240,000	9,395,000
Total assets	591,985,000	542,821,000
Current liabilities
Accounts payable	3,173,000	2,516,000
Accrued liabilities	50,867,000	30,837,000
Other payables	7,157,000	6,544,000
Borrowings under warehouse credit facilities	21,987,000	4,733,000
Current operating lease liabilities	9,731,000
Current portion of deferred rent	132,000	1,588,000
Total current liabilities	93,047,000	46,218,000
Non-current operating lease liabilities	53,059,000
Deferred rent	0	11,079,000
Convertible senior notes, net	118,158,000	113,586,000
Total liabilities	264,264,000	170,883,000
Commitments and contingencies (Note 7)
Stockholders’ equity
Common stock—par value $0.001 per share; 500,000,000 shares authorized; 92,212,316 and 90,151,341 shares issued and outstanding, respectively	92,000	90,000
Additional paid-in capital	571,607,000	542,829,000
Accumulated other comprehensive income	26,000	0
Accumulated deficit	(244,004,000)	(170,981,000)
Total stockholders’ equity	327,721,000	371,938,000
Total liabilities and stockholders’ equity	$ 591,985,000	$ 542,821,000