Self-directed IRAs, SEP IRAs, and Solo 401(k) plans investing in non-owner-occupied real estate. The loan is made to the account, not to you personally.

No personal guarantee -- that is the definition of non-recourse. Approval is driven mainly by the property and its cash flow (DSCR), not your personal credit.

All 50 states.

Standard range is $100,000 to $750,000. Outside that band, a specialist can still discuss options.

Up to 70% loan-to-value on qualifying investment property.

Debt-Service Coverage Ratio = the property’s income divided by its payment. We look for at least 1.25, meaning income comfortably covers the payment.

Single family, 2-4 unit and small multifamily, warrantable condos, short-term rentals, and (case by case) mixed-use and commercial. Land and agricultural are restricted.

15, 20, 25, and 30-year terms. The payment amortizes over the term you choose; the rate is set off a Treasury index plus margin.

Typically about 30-35%, since financing goes up to 70% LTV. Plan for closing costs and six months of reserves as well.

About 30 days once your file is complete -- application, term sheet, appraisal, underwriting, then closing.

You need a self-directed IRA custodian or a Solo 401(k) plan that allows real estate. If you do not have one yet, a specialist can guide you.

Yes -- both purchases and refinances are supported.

Your results route you to apply. A loan specialist follows up to confirm details -- borderline numbers are still worth a conversation.

A self-directed IRA may owe UBIT on the debt-financed share of income (Form 990-T). A Solo 401(k) generally qualifies for the §514(c)(9) real-property exception and is typically exempt. Confirm with your CPA.

Because of the real-property exception to UDFI -- it can remove the debt-financed tax that an IRA would face. Your tax advisor can confirm whether you qualify.

No. Everything here is educational. Your CPA or tax attorney should review your specific situation.