Private credit is one of the hottest alternative investments right now, and Yrefy has a truly innovative investment that serves both sides of the transaction - borrowers and investors.

Laine Schoenberger, Chief Investment Officer and Managing Partner at Yrefy, joins me to explain their platform. Yrefy helps borrowers trapped by private student loan debt while offering accredited investors attractive, non-correlated returns. Laine shares the stories behind their clients, explains how their underwriting process works and explains the advantages for investors, including flexible terms and steady, fixed interest rates.

Top three takeaways:

🔹 Real Impact for Borrowers: Yrefy’s program isn’t just about numbers; it’s changing lives. By negotiating down distressed private student loan debt and refinancing at affordable, fixed interest rates (average 3.9%!), borrowers get a custom solution that restores their credit and financial dignity.

🔹 Investor-Friendly Structure: Accredited investors can participate with as little as $50K, picking their preferred term (1-5 years) and enjoying fixed, non-correlated returns up to 10.25%. There’s also a feature that provides flexibility if early liquidity is needed.

🔹 Transparent, Human Approach: Every loan is handled in-house, borrowers are required to prove their seriousness before funding, and Yrefy’s average default rate is low (around 2%).

Private credit that genuinely “does well by doing good” — this is a case study in how investors and borrowers can both win.

To read more about Yrefy - www.yrefy.com

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• Subscribe to the Podcast: pod.link/1671924778
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  • YouTube: youtube.com/@theunconventionalinvestor
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  • Website: www.mefinancial.net

Disclaimer:

The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.

If you’re tired of managing properties or just looking for smarter ways to grow your wealth, this episode is for you. In this solo episode, I discuss 1031 exchange strategies that don't include rolling your investment into the same kind of real estate.

Here are my top 3 takeaways:

• 1031 Exchanges Aren’t One-Size-Fits-All

You don’t have to trade one rental property for another. You have more flexible options, including investing in managed real estate solutions.

• Explore Delaware Statutory Trusts (DSTs)

With DSTs, you can 1031 into professionally managed commercial properties (like hotels or office buildings), so you get “mailbox money” without the headaches of property management.

• Mineral Rights

A little-known 1031 option: oil and gas mineral rights. You can swap your investment property for the rights to land resources and earn ongoing royalties—plus, these assets can be passed down to heirs!

For more detail on 1031s, please listen to the previous episode with Michael Velasco (Ep 82)

Take the quiz - How Alternative Assets Can Fit in Your Portfolio

Ready for the next step?

• Subscribe to the Podcast: pod.link/1671924778
• Don't forget to leave a review!
• Follow Michelle for more financial tips:
  • YouTube: youtube.com/@theunconventionalinvestor
  • Instagram: instagram.com/michelle.e.moses
  • Website: www.mefinancial.net

Disclaimer:

The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.

Today we talk the ins and outs of 1031 exchanges—a powerful real estate tool that lets investors defer taxes when selling investment or business property. Michael Velasco, founder and qualified intermediary of Exchangeable, and one of only around 120 certified exchange specialists nationwide.

We discuss what a 1031 exchange really is, why so many property owners still don’t know about it, and the nuts and bolts you need to get started.

We talk about the different types of exchanges (including the elusive reverse and improvement exchanges), strategies to avoid common pitfalls, and the importance of understanding your legal entities and getting expert advice before beginning.

Top 3 takeaways:

• 1031 Exchanges Are Only for Investment/Business Properties
  Personal residences don’t qualify—you must own rental or business real estate to take advantage of these powerful tax deferral strategies.
• Timelines Matter: 45 Days to Identify, 180 Days to Close
  After selling your property, you have 45 days to identify a replacement and 180 days to complete the transaction. Missing these deadlines can kill your exchange.
• Structure and Expertise Are Key
  The nuances of entity setup, property title, and choosing the right type of exchange (standard, reverse, improvement) can make or break your outcome. Work with a qualified intermediary early, and don’t skimp on the expert advice—mistakes are costly!

Connect with Michael Velasco- www.1031exchangeable.com

Take the quiz - How Alternative Assets Can Fit in Your Portfolio

Ready for the next step?

• Subscribe to the Podcast: pod.link/1671924778
• Don't forget to leave a review!
• Follow Michelle for more financial tips:
  • YouTube: youtube.com/@theunconventionalinvestor
  • Instagram: instagram.com/michelle.e.moses
  • Website: www.mefinancial.net

Disclaimer:

The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.