Choose Your Own Retirement Investments

What is a Self-Directed IRA?

How It Works

2. Transfer Funds

Fund the account by either making a contribution, transfer or by rolling over funds from an old 401k, 403b or pension plan.

3. Choose Investment

Select the real estate investment you want to purchase and your Custodian will guide you through the process.

Frequently Asked Questions

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You can finance or leverage any property that generates income. The property can be used as a form of collateral for the loan. The loan must be a non-recourse debt and the debt must be repaid with the capital in your IRA.

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Your current financial Custodian might not be aware of Self-Directed IRAs. Some Custodians only offer traditional investment options, such as stocks, CDs, bonds and mutual funds. Self-Directed IRAs allow you to invest in all kinds of real estate and related assets. You can purchase commercial buildings, rental properties, rehabs, notes and much more.

A Self-Directed IRA with Checkbook Control allows you to directly manage your investments without having to go through your Custodian. This arrangement eliminates transaction, maintenance and other custodial fees.

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There are many financial groups that provide Self-Directed IRAs. We recommend one of these companies.

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  • When you purchase real estate with your IRA account it becomes the owner of the property, so the title of the asset must be in the name of the IRA account holder.
  • Neither you nor members of your family (other than siblings) may live in or lease the property while it's in your IRA plan.
  • You are not allowed to invest in a property that was previously owned by a member of your family, including your spouse.
  • You are not allowed to invest in a property for personal use. Purchasing real estate with your IRA account is for investment purposes only.
  • Your business may not lease or be located in or on any part of the property while it's in your IRA plan.
  • The IRA is the owner of the property so it must pay the bills and collect the income. For instance, if the investment is in a rental property than all rental income should return to your IRA account. Also, any bill payments including property taxes or renovations must be paid with the capital in your IRA.

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