Investing In Real Estate With Your IRA

Earning Higher Returns

3D render of growing stack of dollar bills
As you know, banks and other investments are paying very low-interest rates on your savings and IRA accounts, the stock market mutual funds have, over the past five years averaged about a 5% return. Now some of the Wall Street firms are buying real estate rather than stocks… because they know they can get a better return.
So, why are most Americans still trusting their own retirements accounts to wall street?

One answer is, they don’t know what alternatives investments are available.

Before we get started….., we are not financial advisors and by no means should this article be considered to be financial, tax, or legal advice.  It’s for informational purposes only. Consult your professional advisors before you make any financial choices like this.
The Self-Directed IRA for Real Estate
One possibility is called a Self-Directed IRA.  They have been around for a while… and in the past few years, a lot of people have realized that their IRAs are not earning them a good return. So, people, just like you have started to look for other ways to earn higher returns with that same IRA.
iraThus the “self-directed IRA”.
It’s a retirement account … that gives you flexibility in deciding what you want your IRA  invested in.
You can invest in…

  • Real estate
  • Real Estate Notes secured by mortgages (Private Lending) Our Specialty
  • Tax lien certificates
  • Limited partnerships
  • LLC’s
  • Sub-C corporations
  • Real estate options
  • Some types of precious metals
  • … plus the normal investments like stocks that your current IRA can invest in

 
This opens it up so you can buy investment real estate with your IRA… or be a private lender in real estate.
There are restrictions on what you can do with the real estate you buy… what types of precious metals, etc… and often the “custodian” of the Self-Directed IRA will have restrictions on what they think you can and should invest in.

Self-Directed IRA Custodians

The US Government created the Self-Directed IRA option to help investors take more control over their accounts while still getting the tax benefits. At the same time… they don’t want people setting up Self-Directed IRAs and doing whatever they want.
That’s where the custodian comes in.
The US Government created the Self-Directed IRA option to help The custodian is the Self-Directed IRA service Company who you have your IRA with. They act as the “go between” when you’re going to invest. These companies have guidelines on what you can invest in, how long it will take for you to put your money work once they approve the investment… etc.
We can help you with the paperwork and the process. Just give us a call. Jim Glasgow 210-413-7230
Here are a few custodians that we know:
Quest IRA (Houston based company, great customer service, strong on education and ease of use) www.QuestIRA.com
Guidant Financial (expensive, but gives you true checkbook control, which is huge) – https://www.guidantfinancial.com
Equity Trust – http://www.trustetc.com/
Entrust – http://www.theentrustgroup.com/
Get Your Money Working For You
If you have any questions on how you can work with us as a Private Lender… just connect with us through our contact us page or REGISTER with the form below as a private lender for more information. We will get back to you in a timely manner.
Happy investing!  We want to hear from you so don’t hesitate to connect with us anytime.
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