Using Your IRA to Invest in Real Estate
A Guide to Self-Directed Retirement Investing
Learn how accredited investors use self-directed IRAs to access real estate-backed private credit investments designed for income generation and portfolio diversification.
Key Takeaways
Self-directed IRAs
allow investors to hold alternative assets beyond stocks, bonds, and mutual funds.
Real estate-backed investments
may provide potential monthly income and portfolio diversification.
Senior secured lending
strategies are backed by real estate collateral.
IRA-eligible investments
must use approved self-directed IRA custodian.
Alternative investments
involve risk and are not FDIC insured.
A Trusted Partner for Accredited Investors
What Is a Self-Directed IRA?
A self-directed IRA (SDIRA) is a retirement account that provides flexibility to invest in alternative assets such as private credit, real estate, and other non-traditional investments.
How Investors Use IRAs for Real Estate Investments
Many investors use their self-directed IRAs to invest in real estate-backed private credit strategies, including:
- Senior secured loans backed by income-producing properties
- Bridge loans for real estate acquisition or development
- Preferred equity investments
- Other asset-backed private credit opportunities
These investments are typically designed to generate monthly income and preserve capital through collateral-backed structures.
Who This May Be For
- Accredited investors
- Retirees seeking income
- Self-directed IRA holders
- Investors diversifying beyond public markets
- Family offices & trustees
- Those seeking alternative income strategies
Important Considerations
- Not FDIC insured
- Not bank guaranteed
- May lose value
- Subject to risk
Can I use my IRA to invest in real estate?
Yes. A self-directed IRA can be used to invest in certain real estate opportunities, depending on the IRA custodian and IRS rules.
What is a self-directed IRA?
A self-directed IRA is a retirement account that allows investors to hold alternative assets such as real estate, private lending, and other non-traditional investments.
What types of real estate investments can my IRA hold?
A self-directed IRA may hold rental property, private real estate funds, senior secured loans, and other approved real estate-backed investments.
Are private credit investments risky?
Yes. Private credit investments carry risk, including potential loss of principal, market changes, and liquidity limitations.
What is a senior secured loan?
A senior secured loan is a loan backed by collateral, usually property or assets, which may provide added protection for investors.
How do monthly distributions work?
Monthly distributions are payments investors may receive from income generated by underlying investments, subject to performance.
What fees are associated?
Fees may include account setup fees, custodial fees, management fees, and transaction-related costs depending on the investment.
How do I get started?
Related Investor Resources
Self-Directed IRA Guide
Everything you need to know about SDIRAs.
Real Estate Investment Fund
Learn how real estate-backed funds work.
Investment Calculator
Estimate potential returns for your investment.
Private Credit Strategies
Explore our approach to private lending and management.
Why Invest With Us
Our philosophy, track record, and investor alignment.
Explore Real Estate-Backed Income Strategies
Our team is here to help you understand how self-directed IRAs and alternative investments can fit into your long-term retirement strategy.