This entry treats the self-directed IRA from the capital-deployment angle: using retirement capital systematically to fund real estate investments, lending, syndications, notes, and direct deals, as a deliberate allocation strategy, rather than the single-property ownership framing.
Log in to followSponsor is a third party, no relationship to me, a value-add multifamily deal. Minimum check is $100k. I've got about $180k in a self-directed traditional IRA and roughly $120k of…
I put 120k of Roth IRA money into a value-add residential fund in early 2023. The pitch was 14 to 16 percent, the sponsor had a track record I checked properly, and the whole poin…
Thinking about having the IRA fund a single loan to an investor buying a rental, first position, maybe 60 percent of value. Someone at a meetup told me anyone making a mortgage lo…
I have 340k across a traditional IRA and an old profit sharing plan, both movable. The plan was three lanes: 40 percent first-position private notes, 40 percent unleveraged passiv…
Six months in and the thing I still can't settle is whether the tax wrapper is worth what it takes away. Inside the IRA the compounding is clean, especially on interest, and passi…
My brother buys and rehabs houses, mostly small stuff. He's asked whether I'd fund one, and I have an old rollover sitting in an IRA doing very little. I'd always assumed family w…
Licensing exam is in three weeks, so this timing is comedy. I've got 142k in a self-directed traditional IRA, mostly cash after a note paid off early. Sponsor I've known for a whi…
I called a custodian about moving an old 401k into a self-directed IRA so I can put some of it into land-backed notes and maybe one small land fund. The rep quoted two paths. Basi…
Note one: 54k, 11 percent, matured last month, borrower paid off clean. Note two: 42k, 11.5 percent, 4 months left, same borrower, secured on a rehab in a small market where the e…
I'm comparing published fee schedules and they aren't comparable at all. One is a flat 300 a year per asset with a 50 setup. One is 0.25 percent of account value with a 1,500 cap.…
Six months of no deals, but I've finally got a real decision instead of a spreadsheet. Roth self-directed IRA, 168k. A value-add fund I've been tracking is open for another five w…
I've got both a traditional rollover and a Roth sitting at the same custodian, and I have to pick which one funds the real estate side. The money is the same money. The wrapper is…
Posting the boring failure because it cost me real money and nobody warned me about it. Moved 78k out of an old employer plan into a self-directed account in early last year. I wa…
I'm reading the PPM for a value-add multifamily fund. Target leverage 65 percent at the property level, and there's a paragraph telling tax-exempt investors to expect unrelated bu…
Moved an old employer plan into a Roth self-directed IRA in the spring. 214k sitting in cash at the custodian, earning almost nothing while I argue with myself. What's in front of…
I moved 178k of traditional IRA money to a custodian last spring, planning to run it as a note book. First two loans went out clean, 11 percent, 12 month terms, both to a small bu…
I've got an old 401k worth somewhere in the mid forties that I could roll into a self-directed account. What I want is income showing up without me acquiring a second job, so the…
I have wanted the boring version of this for a while. Here is what I did, in beginner terms, because I was the beginner nine months ago. I had 61k sitting in a 401k from a job I l…
Trying to settle an argument I'm having with myself before I move anything. The clean version of self-directed IRA deployment is passive and unleveraged. Interest from private len…
Working through the documents for a small loan the IRA would fund and I've stalled on the first line. The borrower's attorney drafted it with me as payee, personally, because that…