The Alternative Investing Advantage

Get off Wall Street and explore the wide world of alternative investments for your IRA. Take control and give yourself the freedom to choose the assets for your retirement plan, assets like real estate, cryptocurrency, private placements, and much more. Our podcast features Advanta IRA professionals and guest experts who help provide a roadmap to your success with investment trends, strategies, and tips for investing your IRA to build wealth for your future.

The Alternative Investing Advantage is a business podcast hosted by Advanta IRA, with 227 episodes on record and a Required Pod Score of 80.

Advanta IRA hosts The Alternative Investing Advantage, a business show with 227 episodes published.

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  The Alternative Investing Advantage

  Learn How to Invest in Pre-IPO Companies - Episode 230 w/ Harvey Kesner

  Sep 30, 202648 min

  Pre-IPO investing has long depended on knowing the right person at the right time. In this episode of the Alternative Investing Advantage, host Alex Perny talks with Harvey Kesner, Chairman, President, and Co-Founder of EquiDeFi, about how technology is making private placements easier to find and complete. Harvey draws on a career that started with reviewing IPOs at the SEC to explain what changed under the JOBS Act and what still stands in the way. Key Points: • The JOBS Act allowed general solicitation for private placements for the first time. Under Regulation D Rule 506(c), issuers can publicly advertise offerings as long as each investor's accredited status is verified with documents such as tax returns or brokerage statements. • Paperwork has been the biggest bottleneck in pre-IPO investing. Every 506(c) investor signs a separate subscription agreement, so EquiDeFi combines verification, digital signatures, and payment options into a process that investors can finish in about 10 to 15 minutes. • Electronic ownership records are safer than paper stock certificates. Harvey recommends issuers bring on an SEC-registered transfer agent early so ownership stays clean and shares can move into a brokerage account if the company goes public. • Due diligence falls largely on the investor. Reg D offerings to accredited investors have no SEC-mandated disclosure requirements, so a thorough private placement memorandum and a diversified approach both matter, since any private investment can lose its full value. • Retirement account investors face their own paperwork questions. Many self-directed IRA owners aren't sure who signs subscription documents, and EquiDeFi is working to automate that onboarding step for retirement funds. Chapters: 00:00 Why pre-IPO investing has been hard to access 01:58 Harvey Kesner's path from the SEC to EquiDeFi 07:56 How the JOBS Act changed private placements 14:22 Stock certificates and SEC-registered transfer agents 23:46 Self-directed IRAs and private placement paperwork 26:56 Disclosure requirements for Reg D offerings 32:26 The investor journey on the EquiDeFi platform 42:22 What's next for EquiDeFi Subscribe to our YouTube channel and join our growing community for new videos every week. If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com. Learn more about our guest, Harvey Kesner: https://equidefi.com/ Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/ #PreIPOInvesting #PrivatePlacements

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  The Alternative Investing Advantage

  Mortgage Note Investing: Buying the Debt Instead of the House - Episode 229 w/ Jamie Bateman

  Sep 23, 202657 min

  Mortgage note investing means buying the loan instead of the property, and Jamie Bateman has been doing it since 2018. Jamie is the founder of Labrador Lending and a former Department of Defense employee who started with rentals in 2010. He joins Alternative Investing Advantage host Alex Perny to explain how notes are bought at a discount, how a defaulted loan gets worked out, and where investors actually lose money in this space. Key Points: - Notes almost always trade below the principal balance. Jamie says a performing $100,000 note might cost around $90,000, so he is owed more than he paid from day one. - There are three exits on a nonperforming note. Through the property, through the borrower, or by selling the note to another investor. - A modification can raise principal without raising the monthly payment. That keeps the loan out of full underwriting and makes the note worth more. - Coupon rate determines flexibility. Jamie avoids notes under 7 percent because a low rate leaves no room to lower it in a workout. - Misjudging the property is the biggest risk. He lost $100,000 on a note where the house looked fine outside and needed $120,000 of work. Chapters: 00:00 Introduction to the debt side of real estate 02:08 From a Department of Defense job to real estate investing 06:37 Why he moved from rentals to mortgage notes 13:02 Buying notes at a discount on the secondary market 17:53 Originating loans versus buying existing debt 21:28 The three ways to exit a nonperforming note 28:31 How loan modifications actually work 31:22 Where the inventory comes from 35:12 Why capital, not deal flow, is the constraint 39:47 How the fund is structured 44:44 Why leverage matters for self-directed accounts 49:39 What happens when a fund takes a property back 53:51 The biggest way to lose money on a note 55:14 How to connect with Jamie Bateman Subscribe to our YouTube channel and join our growing community for new videos every week. If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com. Learn more about our guest, Jamie Bateman: https://labradorlending.com/ Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/ #MortgageNotes #SelfDirectedIRA

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  The Alternative Investing Advantage

  Land Banking: How Investors Buy Land Ahead of Development - Episode 228 w/ Marcella Silva

  Sep 16, 202649 min

  Land banking means owning the ground before development reaches it, and Marcella Silva has spent nearly two decades doing exactly that. A former software engineer at a national laboratory, Marcella rolled over her 401(k) into a self-directed IRA and bought her first parcel in early 2008. She joins the Alternative Investing Advantage podcast, with host Alex Perny, to explain how the strategy works, what qualifies an area, and why she treats it as very different from raw land investing. Key Points: - Land banking means buying predeveloped land in the path of growth. - Marcella separates it from raw land investing, which she calls far riskier without research. - She looks for multiple economic trends, not one. A single driver, like entertainment, in Las Vegas leaves the area exposed in any downturn. - California's green mandate drives her current focus. State law requires 100 percent alternative energy by 2045, which she says is creating enormous demand for land. - Infrastructure comes before the parcel. She tracks where utilities are investing in high-tension power lines, since land without grid access cannot transmit energy. - Protected land is an automatic no. Williamson Act farmland in the Central Valley is off limits, and she avoids parcels within a mile of it. Chapters: 00:00 Introduction: land banking and raw land investing 02:00 From software engineer to land banking 05:28 What land banking actually means 07:49 How to identify the path of growth 12:36 Why she only invests in California 17:15 Ports, manufacturing, and industrial demand 22:02 What a land banking parcel looks like 25:48 Green energy and the new land rush 28:56 Solar, battery storage, and green hydrogen 32:13 Power lines, protected land, and what to avoid 41:44 Where to start and what makes land risky 46:23 How to connect with Marcella Silva Subscribe to our YouTube channel and join our growing community for new videos every week. If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com. Learn more about our guest, Marcella Silva: https://dirtisgold.com/ Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/ #LandBanking #SelfDirectedIRA #RealEstateInvesting

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  The Alternative Investing Advantage

  Real Estate Debt Funds: How Fix and Flip Lending Actually Works - Episode 227 w/ Brandon Rickman

  Sep 9, 202652 min

  Real estate debt funds sit on the other side of every fix and flip, and Brandon Rickman has worked both sides. Brandon and his wife flipped between 500 and 600 houses in metro Atlanta before he co-founded ProLend Capital four years ago. He joins Alternative Investing Advantage host Alex Perny to explain how these loans are underwritten, how draw schedules work, and what an investor should ask before investing in a fund. Key Points: - He switched sides for economics. Brandon says his flips grossed 20 to 25 percent but netted closer to 9 percent after the work. - Borrowers fall into three buckets. Institutional banks underwrite the person, while hard money and private lenders underwrite the property. - His fund never lends above 70 percent of the value. That leaves at least 30 percent equity if a property has to be taken back. - Rehab money sits in escrow and is released on inspection. Finish half the flooring, and you get half that drawer, not all of it. - Leverage inside a fund matters for retirement accounts. Brandon confirms his fund uses none, which Alex ties to tax treatment for IRA investors. Chapters: 00:00 Introduction: real estate debt and fix and flip lending 02:40 From 600 house flips to running a debt fund 06:16 Why he moved from flipping to lending 09:59 The deal that tied up his capital for two years 16:56 Institutional, hard money, and private lending compared 23:09 Why the fund focuses on fix and flip over DSCR 26:11 How a fix-and-flip loan gets underwritten 32:06 How draw loans work and what triggers a release 37:13 Loan terms, points, and interest 43:04 How investors participate in a debt fund 48:34 Why leverage matters for IRA investors 50:46 How to connect with Brandon Rickman Subscribe to our YouTube channel and join our growing community for new videos every week. If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com. Learn more about our guest, Brandon Rickman: https://prolendcapital.com/ Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/ #RealEstateDebt #SelfDirectedIRA #FixAndFlip

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  The Alternative Investing Advantage

  Agriculture Technology Investing and the Fourth Revolution - Episode 226 w/ Chris Rawley

  Sep 2, 202651 min

  Agricultural technology is undergoing what Chris Rawley calls a fourth revolution, and he has spent a decade funding the companies behind it. Chris is the founder and CEO of Harvest Returns, a platform that raises capital for farms and agribusinesses. He joins Alternative Investing Advantage host Alex Perny to explain what precision tools, robotics, and biologics are actually solving, and where an investor can take a position. Key Points: - Agriculture is in its fourth technology revolution. Steam tractors, then synthetic chemicals, then GPS, and now precision tools and robotics. - The farm credit system barely fits specialty crops or livestock. Chris says it has hardly changed in six decades. Adoption is the bottleneck, not invention. Chris estimates a ten-year lead time and calls ranchers three times more conservative. Robots now weed by machine vision. Some yank the weed, others zap it with a laser, and others kill it with steam. Financing risk worries him most. Early rounds are raised on a promise and later rounds on performance, so stalled companies run out of cash. Chapters: 00:00 Introduction: technology in agriculture investing 01:38 How Chris Rawley started Harvest Returns 03:10 The four revolutions in agricultural technology 10:01 Why the farm credit system leaves growers behind 14:39 Cash flow deals versus early-stage growth 17:17 Precision agriculture, Starlink, and slow adoption 25:53 Consumer demand and the margins farmers live on 29:40 Cattle technology and the cost of beef 33:41 Robots that pull, zap, and steam weeds 37:12 How Harvest Returns finds and structures deals 43:13 The number one risk in early-stage agriculture technology 46:14 Where Chris is bullish and where he is not 49:07 How to connect with Chris Rawley Subscribe to our YouTube channel and join our growing community for new videos every week. If you are interested in being a podcast guest speaker or have questions, contact us at Podcast@AdvantaIRA.com. Learn more about our guest, Chris Rawley: https://www.harvestreturns.com/ Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-ira https://www.linkedin.com/company/Advanta-IRA/ https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/ #AgTech #SelfDirectedIRA #AgricultureInvesting #AlternativeInvestments #PrecisionAgriculture

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