Find a Certified Real Estate IRA Agent

The powerful combination of value appreciation and income has historically been an attraction for investors who understand the risk-return tradeoff of real estate investing. You can own real estate of any kind within your IRA. Been told otherwise? We are not surprised. Since the inception of the IRA in 1974, Americans have been misinformed and kept in the dark about the true choices available within IRAs. But don’t take our word for it. The Internal Revenue Code’s rules and regulations provide the validation you and your trusted advisors often seek.

Section 408 of the Internal Revenue Code allows for the purchase of property with funds held in many common forms of IRAs, including a Traditional IRA, a Roth IRA, SIMPLE IRA and a Simplified Employee Pension (SEP) IRA.

Types of Property Your Individual Retirement Account Can Own

  • Residential Single-family and Multi- family property
  • Commercial and Industrial property
  • Foreclosures, Short Sales, Distressed and Bank-Owned property
  • Improved or Unimproved Land
  • International properties of all types

  • Helpful Videos

    • PRE Purchase Of Real Estate [ Watch Video ]
      This video helps Self-Directed IRA investors learn key considerations of purchasing real estate with their IRA directly from the account or through the use of a Limited Liability Company prior to directing their funds.
    • POST Purchase Of Real Estate [ Watch Video ]
      This video helps Self-Directed IRA investors learn key considerations after purchasing real estate either directly with their IRA account or through the use of a Limited Liability Company.
  • Parties Involved

    • Real Estate Agent Has a fiduciary responsibility to the Buyer or Seller being represented in a Real Estate transaction
    • Non-Recourse Lender Provides financing for Self-Directed IRA Real Estate purchases that use leverage
    • Title Company Can facilitate and record Real Estate transactions, provide title reports, and issue Title Insurance as desired
    • Escrow Company A third party that facilitates Real Estate transactions
    • Attorney Because not all states utilize Title Companies, a law firm facilitates those transactions
    • Property Manager A third party responsible for finding a tenant, handling income and expenses, tenant complaints and communication, property maintenance, and necessary evictions
  • Ownership Considerations

    • To avoid self-dealing within your Real Estate investment, you or any other Related Parties or entities cannot reside, conduct improvements/repairs (including using “sweat equity”), obtain a personal benefit, or do business from the property you have purchased or sold
    • Property specific expenses must be paid by the IRA in direct proportion to the ownership percentages initially established, so it is important to ensure careful attention is given to potential unforeseen or additional property maintenance expenses (i.e. property taxes, homeowner’s association fees, maintenance, labor expenses)
    • Borrowing money/leveraging the IRA to conduct business is permissible but can present the potential for Unrelated Debt Financed Income Tax (UDFI); consulting with a qualified tax advisor about these potential IRA tax implications is highly encouraged
    • Fair Market Valuation of property held within your IRA, with substantiation, must be provided to Vantage on an annual basis
    • Property must be titled/vested in the name of your IRA, not your individual name, and in direct proportion to the IRA’s ownership percentage

    We Invite You To Call Us or Attend One Of Our FREE Workshops To Learn More

    DISCLAIMER: Vantage Self-Directed Retirement Plans does not offer investment, tax, financial, or legal advice nor do we endorse any products, investments, or companies that offer such advice and/or investments. All parties are strongly encouraged to perform their own due diligence and consult with the appropriate professional(s) licensed in that area before entering into any type of investment.

    *All investments involve risk. There are no guarantees that alternative asset investments will increase returns and minimize losses. Like traditional investments, there are inherent risks of investing in alternative assets and many hold the opportunity to lose most or all money invested.