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Have you ever considered using your IRA or 401(k) to buy real estate? Did you even know you could? Every day, thousands of Americans are using their retirement accounts to purchase investment real estate. No, they are not withdrawing their money and paying taxes and penalties. They are transferring their money to self-directed IRAs and 401(k)s and purchasing real estate directly inside their retirement accounts.
What kind of real estate can you invest in? Almost anything, as long as neither you, nor an immediate family member already owns or lives in it. You can purchase single and multi-family rentals, commercial property, real estate notes and tax liens. You can LEND your retirement dollars to other investors looking for short-term loans. You can even purchase land contracts or buy property at auction.
Don’t think you have enough in your old 401(k) plan to invest in real estate? Your IRA is allowed to borrow money or partner up with other investors to expand your real estate buying power. And all of this investing can be done with ALL of the monthly cash flow and equity going back into your retirement account completely TAX-FREE!
So know that you know it is possible, here’s why YOU would consider investing a portion of you retirement account funds into real estate:
- You are looking for an alternative to Wall Street’s volatility
- You want to grow the value of your account with regular cash flow instead of fluctuating share prices
- You want to protect your retirement funds with real assets
- You want to live off the cash flow your portfolio provides instead of liquidating assets when it’s time to withdraw funds
This type of real estate investing does have a unique set of rules and guidelines so make sure you’re working with a real estate professional that specializes in it. Freedom Growth (www.freedomgrowth.com) offers both education and guidance on this style of investing. They have executed hundreds of real estate transactions through IRAs and 401(k)s and can help you decide what type of self-directed retirement account fits you best. They can also help you build a sound, diversified, cash-flowing real estate portfolio. To learn more, visit their website or call David directly at 310-466-0021. Or you can visit the Manhattan Beach FIBI meeting on June 5th at the Shade Hotel. This meeting will focus on investing real estate inside of a retirement account.