What You Need to Know

Types of real estate you can own in your IRA or 401K include:

•  Single Family Homes
•  Condos and Townhomes
•  Apartment Buildings
•  Vacant Land

What if I don’t have enough money in my IRA to purchase real estate?

You may partner with yourself or others. You may obtain debt financing through private sources or financial institutions on a non-recourse basis. You may arrange a seller carry back loan. You may sell other assets in your IRA to raise cash to make the purchase or you may transfer funds from other IRAs or rollover funds from qualified plans, such as 401(k), 403(b) or government 457 plans you may have had at employers where you no longer work. 

What are the advantages of owning real estate in my retirement account?

•  Real estate is typically less volatile   than the stock market.
•  You can benefit from both the rental income associated with the property plus the appreciation the property may have.
•  You can use leverage to grow your retirement funds like the pros do.
•  The IRA holder gets to make all the decisions not just in the purchase process, but also in hiring the property manager, what to charge for rent, hiring subcontractors to rehab the property, negotiating contracts, or working with the property manager to screen tenants. With a self-directed IRA, the opportunity to take control is significant. 

For more information on this exciting opportunity please give Cindy Rosenbloom a call at 407.876.9175 or 407.579.4573.