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.comTake the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don'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.
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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.comTake the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don'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.
What to Ask Before Investing: My Litmus Tests for Investments (Ep 73)
The Unconventional Investor
15 minutes
5 months ago
What to Ask Before Investing: My Litmus Tests for Investments (Ep 73)
Wondering how you can trust an investment? 📈 In this episode of the podcast, I share my personal “litmus test” for evaluating alternative investments and private placements.If you’re exploring real estate, private funds, or other non-traditional opportunities, here are my top three takeaways to keep in mind:✅ Do they have real skin in the game?Always ask if the managers are investing their own money, not just raising funds and charging fees. When their money is on the line, their interests are better aligned with yours.✅ Are there useful tax benefits?Some investment strategies, like Roth conversion options, can give you substantial tax benefits.✅ Is the rate of return fair?Compare promised returns to similar opportunities and industry standards. If returns (or communication!) seem subpar, dig deeper or rethink your choice.If you want to upgrade your due diligence process or have questions about fitting alternatives into your portfolio, check out my free resources or schedule a chat at mefinancial.net.Take the quiz - How Alternative Assets Can Fit in Your Portfolio - https://quiz.tryinteract.com/#/672ec387dca489a684704eee Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don'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 provided in this podcast is for general informational purposes only and should not be construed as professional financial advice. Always consult with a qualified financial advisor or professional before making any financial decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.
The Unconventional Investor
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.comTake the quiz - How Alternative Assets Can Fit in Your Portfolio Ready for the next step?Subscribe to the Podcast: pod.link/1671924778Don'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.
