Well, we have an exciting episode today because a lot of you have retirement accounts. Many of you have self-directed retirement accounts and a percentage of you don't know what to do with that money. And so we're going to help you today because yes, you can invest in real estate. Yes, you can get financing. And unfortunately, a lot of people don't realize that they can get mortgage financing to invest in real estate within their self-directed retirement accounts. Did you know, there is over $19 trillion, that's trillion with a T held in retirement accounts. This is as of 2020, just last year. So there is a lot of cash and assets held in retirement accounts. But the question is, is those of you who are in the stock market and are afraid that maybe it's a little frothy and a little overvalued, and maybe you need to take some chips off the table and move them to hard assets like real estate, or you're sitting on cash because you don't know what to do with it. Well, that's what we're going to talk about today.

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So today I have two guests. I have one of our newer and very well seasoned investment counselors, Nate hall, on, on the I guess the zoom call and the recording. We're kind of recording in multiple ways here today. So Nate is one of our investment counselors here who is very well-versed on investing in self-directed IRAs and strategy related to that. In addition to that, we also have Bob Cash and Bob is the president and CEO of Sierra Crest Capital Inc. Now Sierra crest capital is a commercial business purpose lender, and they are a vital source of capital to over 1200 real estate investors. They've originated in excess of $150 million in non-recourse IRA loans. Now that's a key term there non-recourse this. We're going to talk about this today because it has to be a non-recourse loan for you to invest in your self directed retirement account. And Bob has an extensive background in all aspects of mortgage lending, including appraisals, residential sales, loan, origination, escrow title, and underwriting, private money loans. So with that, Bob, welcome to the show, Nate, welcome to the show.

Thank you, Marco. Thank you, Marco.

Well, it's great to have you guys on Bob. Let's start with you. Did I miss anything in terms of your background and Sierra Crest Capital or anything you want to fill in?

No, I think you nailed it pretty good. We are a private money lender. And the one thing that I really want to heart by is, are focus on, I shouldn't say is the, the commercial business purpose lender, and the difference between what we do and what maybe a conventional lender would do is that we don't lend to individuals. We are not a consumer lender. We're a commercial business purpose lender, which means that we only lend to entities. You have to have an entity, a trust, and as, but an LLC, or you need to have it take title your asset in the name of a custodian. And we'll get more into, into that from a standpoint of what works best in that scenario. But if you called up and said, Hey, my name is Marco sands, really? And I want to borrow money from you, Marco, unless you've got an LLC doing business.

Okay. I don't want that to deter or scare off anybody listening to this because they might be thinking, okay, yeah, I've got a self-directed account. I've got some cash. I've got real estate, but I don't have an LLC or an entity. So I don't qualify. Or this is not something for me. You're absolutely wrong because it is very quick, simple, easy, and cheap to set up an entity like an LLC that you can use f...