Check Your Non-Recourse Loan Eligibility
See where your IRA, SEP, or Solo 401(k) stands for a non-recourse investment-property loan -- in under two minutes.
The Check Eligibility tool gives self-directed retirement investors a fast, honest read on whether a non-recourse loan fits their account and their target property. A non-recourse loan is what lets an IRA or Solo 401(k) borrow without the account holder personally guaranteeing the debt -- a requirement when retirement funds are the borrower.
Answer a few questions about your account type, balance, and the property, and you will get a plain-language verdict plus a likely loan range, with a clear next step. Nothing here is a credit decision -- it is a starting point built on the same guidelines our officers use.
See where you stand before you talk to anyone. Every result points to a next step.
We will remember your info on this device to save you time. Not you? Clear my info
How it works
- Tell us your account type (IRA / SEP or Solo 401(k)) and balance band.
- Describe the property -- type, transaction, state, and estimated value.
- Confirm it is an investment (non-owner-occupied) property, which non-recourse loans require.
- Get an instant read plus a likely loan range based on our 70% LTV baseline.
Why it matters
For retirement-funded real estate, the loan structure matters as much as the property. Because the IRA or 401(k) -- not you -- is the borrower, lenders look to the asset and the account rather than your personal income.
Knowing early whether your account type, balance, and property line up with non-recourse guidelines saves weeks and lets you shop with realistic numbers. It also surfaces tax considerations like UBIT / UDFI, which differ between IRAs and Solo 401(k)s.
How to read your result
Likely eligible means your inputs fit our standard guidelines and an officer can move quickly. Likely a conversation or Conditional does not mean no -- it flags something (a smaller balance, a restricted property type, or owner-occupied use) that a specialist should review.
The likely loan range is an estimate from your property value against our 70% maximum LTV; your actual amount depends on rent, reserves, and full underwriting. Every result routes to Apply because borderline files still get a human review.
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Frequently asked questions
Do I need to personally qualify for a non-recourse loan?
Which account types can use this tool?
Does the property have to be an investment property?
Is the result a loan approval?
My balance is under $100k -- am I out?
Estimates only -- not a commitment to lend; subject to full underwriting.