The Alternative Investing Advantage

Advanta IRA
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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.

  1. 3d ago

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

    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

  2. Sep 2

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

    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

  3. Aug 26

    Manufactured Housing Investing Under California Rent Control Laws

    Manufactured housing gets harder to buy in California, and that is exactly why "Ali" Nasir Ali stays there. Ali is the managing director of Rise360 Ventures, a former commercial appraiser, and the second generation of his family in manufactured housing. He joins the Alternative Investing Advantage podcast with host Alex Perny to explain how rent control, vacancy decontrol, and aging infrastructure are priced into a deal rather than ruling it out. Key Points: - Regulation reduces competition. Ali argues that because most California investors want to buy out of state and most out-of-state buyers avoid California, the difficulty itself leaves more deals available to whoever stays. - Rent control ordinances can cut both ways. He describes a Southern California ordinance containing a phrase entitling an owner to an 8 percent cap on investment, which an operator spent close to two years leveraging into a substantial lot rent increase. - Vacancy decontrol is the harder constraint. In at least three California cities, an owner cannot raise lot rent to market even after a lot goes vacant, and must instead scale from the historical rent. - Park-owned homes mix two different asset types. A home in a community is personal property that depreciates like a car, so blending that income with land income creates a valuation problem, which is why Ali keeps homes in a separate entity. - Occupancy is his filter. He looks for communities around 30 to 50 percent occupied, ideally about half full, with at least 50 units or a cluster of smaller properties close enough to share management. Chapters: 00:00 Introduction: manufactured housing in regulated markets 01:47 Eight generations in real estate and 45 years in manufactured housing 04:26 Why building new communities rarely works out 08:01 Overcoming the stigma around manufactured housing 11:21 What due diligence looks like in California 16:14 Rent control and vacancy decontrol explained 26:20 Financing and why capital is flowing into the asset class 29:30 Park-owned homes versus renting the dirt 37:30 What Ali looks for in a community 43:08 Trailers, mobile homes, and the 1976 HUD code 49:59 Underground utilities and water risk 55:19 Why the heavy lift comes first 59:35 How to connect with Nasir Ali 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, "Ali" Nasir Ali: https://rise360ventures.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/ #ManufacturedHousing #SelfDirectedIRA

  4. Aug 19

    Farmland Investing: The Asset Nobody Is Making More Of - Episode 224 w/ Rob Moore

    Farmland investing separates the land from the crop, and Rob Moore says that separation is the whole thesis. Rob is the general manager of AcreTrader, which buys row crop farmland and leases it to working farmers. He joins Alternative Investing Advantage host Alex Perny to explain how the asset class works and why returns come from the ground rather than the harvest. Key Points: - Row crops and permanent crops carry different risks. Tree crops like almonds and citrus take years to develop and tie returns to commodity prices, while row crops get replanted annually and leave the value in the underlying real estate. - Cash yield is low by design. Rob describes roughly a 2 to 4 percent annualized cash-on-cash return from rent, with most of the long-term return coming from land appreciation rather than income. - Location drives risk more than crop selection. Around the 100th meridian, the map turns from green to brown, and outside the reliable rainfall zone, there are fewer farmers, fewer bidders, and a much wider range of outcomes. - Leverage adds risk without adding much upside. Rob argues that debt might lift cash-on-cash from 2 percent to 3 percent while exposing the investment to variable rates, which is a poor trade for an asset held for capital preservation. - Arable land is disappearing permanently. Rob cites roughly 4.8 acres lost every minute in this country, and once farmland becomes roads and neighborhoods, it does not revert to farmland. Chapters: 00:00 Introduction: farmland as an alternative investment 01:13 How Rob Moore got into agriculture and AcreTrader 02:37 Row crops versus permanent crops 08:57 How farmland leases are structured 13:10 Commodity prices, trade policy, and subsidies 18:59 Tenant turnover and why farms stay leased 21:17 Why location determines farmland risk 26:56 Why AcreTrader buys without leverage 31:50 Exit strategy and the liquidity problem 37:57 Institutional buyers and intergenerational land transfer 47:30 Why lost farmland does not come back 50:43 How to connect with Rob Moore 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, Rob Moore: https://acretrader.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/ #FarmlandInvesting #SelfDirectedIRA

  5. Aug 12

    Assisted Living Investing: Why Rod Khleif Made the Switch - Episode 223

    Senior housing investing is drawing capital as demographics tighten the supply of beds. Rod Khleif hosts Lifetime Cashflow Through Real Estate Investing, and his coaching students own more than 305,000 multifamily units. He joins Alternative Investing Advantage host Alex Perny to explain why he has moved part of his focus into assisted living and memory care. Key Points: - Roughly 10,000 people a day turn 80 in this country, and Rod says construction is running at about 4 percent of projected need. The gap is the thesis. - Distressed multifamily is trading below replacement cost. Operators who bought in 2021 through 2023 on adjustable or bridge debt now face maturities they cannot refinance or sell into. - Debt service coverage is the constraint lenders care about. With sales down sharply and rates elevated, many owners are caught between refinancing they cannot qualify for and a sale they do not want. - Assisted living underwrites differently than apartments. Payroll, food, and management costs scale with resident count and level of care, which makes the pro forma more complex than a unit-based model. - The operator determines the outcome. Rod does the real estate and partners on care, and he screens for track record, complaint history, systems, and staff culture. Chapters: 00:00 Introduction: senior housing and commercial real estate 01:09 How Rod Khleif got into real estate and what 2008 taught him 04:57 Why multifamily is in distress right now 07:50 Finding distressed deals and raising capital 11:37 Debt service coverage and the lending environment 14:20 The demographic case for assisted living 18:00 Independent living, assisted living, and memory care 22:31 How to evaluate a senior housing property 26:57 Vetting operators and common mistakes 31:19 Where operational failures create opportunity 33:56 How to connect with Rod Khleif 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, Rod Khleif: https://rodkhleif.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/ #SeniorHousing #CommercialRealEstate #AssistedLiving

  6. Aug 5

    Nonperforming Notes: How Investors Profit on Bad Debt - Episode 222 w/ Dave Van Horn

    Nonperforming notes are defaulted mortgages bought at a discount, and Dave Van Horn has been buying them since 2007. He is the co-founder and chief executive officer of PPR Capital Management, and he joins Alternative Investing Advantage host Alex Perny to explain how this debt actually gets resolved. The property is rarely the goal. Key Points: - Defaulted mortgage debt trades at a steep discount. The buyer then works with the borrower toward a resolution rather than moving straight to foreclosure. - Junior liens and first mortgages need completely different due diligence. Second liens are underwritten statistically across a pool. First mortgages hinge on the equity and value of the individual property. - Borrower intent drives every outcome. The first question is whether the homeowner wants to stay or wants to go, and the exit follows from that answer. - There are roughly six exits on a distressed loan. Modification, discounted arrears, discounted payoff, deed in lieu, foreclosure, and selling the asset outright. - Note pricing moves with real estate values. When values fall, this paper gets cheaper, and margins widen, which is why a downturn tends to be a buying season. Chapters: 00:00 Introduction: investing in nonperforming notes 02:28 How Dave Van Horn moved from contracting to distressed debt 09:27 Junior liens versus first mortgages 15:21 Due diligence and risk mitigation on delinquent loans 20:02 Borrower intent and how loan modifications work 30:23 Why keeping homeowners in their homes pays more 36:19 Institutional capital and mortgage securitization 46:22 Outlook for distressed mortgage supply and pricing 50:04 How to connect with Dave Van Horn 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, Dave Van Horn: https://pprcapitalmgmt.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/

  7. Jul 29

    Buying a Mobile Home Park: What to Check Before You Close - Episode 221 w/ Leo Young

    Leo Young is the founder and managing partner of Cornell Communities, a vertically integrated operator of manufactured housing communities across the Midwest and Southeast. He joins Alternative Investing Advantage host Alex Perny to explain what has changed for anyone buying a mobile home park. Easy acquisitions are gone. The edge has moved to underwriting and operations. Key Points: - Buying a mobile home park starts with separating the income streams. A single global cap rate hides the difference between lot rent and park-owned home rent. - Lenders do not treat those two streams equally. Tenant-owned home income gets capitalized. Park-owned home income is often discounted or excluded, which reduces your loan amount. - Tax reassessment is the most missed line item. Some states reassess your purchase price, which can double, triple, or 5x the bill in a single year. - Infrastructure is the largest expense in most mobile home parks. A private wastewater treatment plant can cost six figures to replace. - Operations now matter more than acquisition. Running a manufactured housing community well is the real edge in this market cycle. Chapters: 00:00 Introduction: buying a mobile home park 02:55 Who is buying mobile home parks today 09:00 Park owned vs tenant owned homes explained 16:40 Sewer, utility, and zoning risks to check 30:06 What drives mobile home park values 39:56 How tax reassessment erases projected returns 46:53 Why operations matter more than the deal 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, Leo Young: https://www.cornellcommunities.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/ #MobileHomeParks #ManufacturedHousing

  8. Jul 24

    Macro Forces That Move Every Investment You Own - Episode 220 with Andrew Horowitz

    Andrew Horowitz has spent more than thirty years watching markets move. In this episode of the Alternative Investing Advantage, he explains the macro forces that shape every investment decision you make, from monetary policy to market structure. Key Points: - How politics entered monetary policy and changed the market cycle - Why rising debt to GDP levels matter more than most investors think - The petrodollar, the Strait of Hormuz, and pressure on the US dollar - Why market-cap-weighted indexes hide what is really happening - How AI capital expenditure could become the next valuation problem - Why illiquidity can work in favor of long-term investors - The rise of the retail investor and what it means for volatility - Practical signals to watch, including SPY versus RSP Chapters: 00:00 Introduction 01:37 Thirty years of market experience 04:28 What changed after the great financial crisis 10:06 Deficits, debt, and modern monetary theory 18:03 Digital currencies and the rise of alternatives 23:00 Illiquidity as an advantage 28:44 The retail investor comes of age 35:51 Inflation, AI capex, and market structure 40:11 How to read the indexes correctly 49:40 Final advice for individual investors 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, Andrew Horowitz: https://www.thedisciplinedinvestor.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/ #Macroeconomics #AlternativeInvestments #SelfDirectedIRA

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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.

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