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Maximizing Your Options: Self-Directed IRAs and Real Estate Investing

Maximizing Your Options: Self-Directed When using a self-directed IRA to invest
IRAs and Real Estate Investing The in real estate, you select the property,
perception of retirement savings is that negotiate the price, and find the lending
the money has to be invested in institution, while an escrow account is
traditional avenues like CDs, bonds, created in the IRA trustee's name and the
stocks, and funds. However, there are a IRA trustee performs the actual
large number of non-traditional transaction. The property is then held as
investment options that are available part of the account's assets. This is
through an increasingly popular type of analogous to picking a stock with great
retirement account, called a dividends and instructing your IRA
self-directed IRA. Self-directed IRAs let advisor to purchase a certain number of
the individual investor decide where to shares.
invest their money based on their own What an IRA Trustee Means The structure
expertise - and one of the most common of self-directed IRAs provides a balance
investments is in the opportunity-rich between independent real estate
real market. investment control and experienced
How Real Estate Investing through an IRA investment professionals. For any
Works Individual retirement accounts self-directed IRA, there has to be a
(IRAs) make up more than $2 trillion of qualified custodian, or trustee, for the
investment assets, about 20% of the total account. The trustee understands all
assets in retirement plans. While about legal and tax prohibitions on
98% of these IRAs are invested in investments, manages the actual
traditional areas like mutual funds and retirement account, handles
stocks, a large number of IRA holders are administrative tasks and carries out all
switching to self-directed IRAs, which of the actual transactions. The trustee
let them decide where to invest their also offers professional advice as you
money. In fact, the amount of assets held plan your investment strategy, which is
self-directed IRAs has more than doubled particularly important for long-term
in the last five years, representing tens investing in real estate. All account
of billions of dollars in assets. funds are held in an escrow account
Most self-directed IRA funds are spent in managed by the trustee.
real estate, and virtually any kind of The self-directed IRA trustee has an
property is allowed for investment: land, integral role in whether you successfully
commercial properties, office buildings, invest in real estate with your IRA. Even
shopping and retail centers, single major investment companies may not have
family homes, rental units, condos and experience with self-directed IRAs or
multi-tenant buildings. The only limit real estate investing, and knowledge
for real estate investments is that they matters. For example, the profits from a
cannot directly benefit the account self-directed IRA may be subject to
holder or a near relative (such as buying unrelated business income taxes (UBTI)
an investment property and then using it because of the nature of the investment,
as your primary residence). while depreciation and expenses for the
There are three different ways that IRA property are calculated differently.
funds can be invested in real estate: (This is in sections 511-514 of the IRS
• By purchasing the property outright. tax code.) An experienced IRA trustee
In this case, the assets in the IRA are will know all the liabilities and
used to buy the property entirely. • incentives available.
By supplying a deposit or down payment. Most importantly, ask about investment
The IRA fund can be leveraged to get a goals and options; get involved and be
mortgage on a property, with the property willing to take control of your
used as collateral. This minimizes investments. The most important asset the
personal risk and can greatly increase IRA trustee offers is strategic,
the overall value of your investment. experienced planning. Trust
• By buying a property as part of an Administration Services specializes in
investment group. As long as the property IRA-funded real estate investing, along
deed shows your undivided interest in the with other self-directed IRA investment
property, it's available to your plans, with billions of dollars in
self-directed IRA for investment. assets.




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