Self-Directed IRA? Invest in Real Estate | Palma Financial

The stock market is crashing while real estate continues to rise, but you do not have enough liquidity for a down payment.

QUESTION: Is this the time to Invest?

Nowadays, you may wonder if this is the time to invest in real estate through your IRA, Roth IRA, or SEP-IRA.

DO’S: Invest in real estate only if you establish a self-directed IRA with a custodian that allows self-directed investments.

DONT’S: You CAN’T invest in real estate with a traditional IRA or Roth IRA you establish with a bank, brokerage, or trust company. These IRA custodians limit you to a narrow range of investments, such as publicly traded stocks, bonds, mutual funds, ETFs, and CDs.

The self-directed IRA can be used for all types of real estate investments, such as:

  1. Multi-family rental properties,
  2. Single-family homes,
  3. Commercial rentals,
  4. And More…

You can diversify your retirement holdings and get some tax advantages by investing in real estate in a self-directed IRA.

And there are several disadvantages and complications you should carefully consider.

Make sure to understand that owning real estate in a self-directed IRA is not like owning it any other way. You and your self-directed IRA must be separate—self-dealing is not allowed.

The owner of a self-directed IRA should not benefit from the account beyond distributions, and the account itself should not benefit from the owner beyond contributions.

Want to Invest in Real Estate? Let’s Talk!

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