To hold real estate in a retirement account you need a self-directed custodian (for a self-directed IRA) or a Solo 401(k) plan that permits real-estate investments.

How it fits together

• Your custodian or plan holds title to the property on behalf of your account.
• The non-recourse loan is made to the account, not to you personally.
• Income and expenses flow through the account, keeping everything tax-advantaged.

Custodian (IRA) vs trustee (Solo 401(k))

A self-directed IRA uses a custodian who processes transactions and holds assets for your account. A Solo 401(k) may let you act as trustee of your own plan, which can streamline day-to-day administration. Each route has trade-offs in cost, control, and tax treatment — a specialist can help you compare.

What to look for

• Experience with non-recourse lending and titling property to a retirement account.
• Transparent fee schedules and responsive transaction processing.
• Familiarity with the document flow lenders and title companies expect.

We are compatible with the major self-directed IRA custodians and Solo 401(k) providers. If you already have an account, we can work with it; if you don’t, a specialist can point you in the right direction.