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The Case For Gold In Your IRA

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Self-Directed IRA Real Estate

Self-directed IRA real estate rules and info for you. Getting the most from your real estate IRA is important

One of the most popular types of investments inside of an IRA is real estate. Why is this the case? Because most people don't want to be tied down to just the stock market since the stock market—in general—is a volatile market that can have wild day-to-day swings. Those saving for retirement can feel quite troubled and stressed when they are solely relying on one investment vehicle; the stock market. Diversifying outside of the stock market is a great way to calm some of these fears, so that’s the main reason why many turn to self-directed real estate IRA investing.

Need a few reasons to choose a real estate IRA as an investment? Here are a few:

  • Portfolio Diversification
  • Getting out of the Stock Market
  • A Steady Income From Rental Properties
  • Steady Appreciation

As with any investment, self-directed IRA real estate investing has certain rules that need to be followed in order to qualify as an investment inside of an IRA. All of us at Accuplan are here to answer any questions you may have about investing in real estate inside your IRA.

If you do elect to use a retirement account to hold real estate–whether you are flipping it or not–you need to keep these strict self-directed IRA real estate rules in mind:

  • You cannot stay overnight in the property–even for one night
  • You cannot let your spouse, your children or parents, or any in-laws stay in the house
  • You cannot use the house to benefit any advisor who works with you on your IRA
  • You cannot rent the house to yourself, nor to any disqualified persons, even at market rates
  • You cannot buy or sell any of your own personal property to your own IRA, nor may any disqualified persons mentioned above
  • You cannot intermingle IRA and non-IRA funds
  • You cannot take money out of the IRA, unless you take it in the form of a distribution, which may be taxable. There may also be penalties involved for early withdrawals
  • You cannot lend money to your self-directed retirement account, nor borrow from it
  • Neither can any disqualified person mentioned above
  • Your IRA cannot contract for goods and services with you, nor with any entity that you or any of the above disqualified persons control. That means you cannot buy a property in an IRA and then hire yourself or your son-in-law to provide the landscaping or property management services

So what type of real estate can you invest in? Most people limit themselves to homes and rental properties, but in reality, you can invest in so much more. Farmland, commercial property, deeds of trust, and businesses are just a few options for you.

We want you to get the most out of your retirement investments, and diversifying outside the stock market can be a great option. There’s a lot to learn, and a lot of rules to follow, and that’s where Accuplan comes in. Let us help you invest in real estate with your IRA, all while helping you abide by the IRS rules that have been put in place for IRA investing. This is all so that you can navigate the investing waters with ease and confidence.

Watch, read or listen about real estate IRAs:

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Self Directed 401k Investing

Start or buy a business, invest in real estate, flip properties and more

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