Tag Archive for: self directed ira

Private lending with your IRA


Private lending with self directed IRA's

How to lend with your IRA or other retirement plans…private lending with your IRA.


Private real estate notes are a great way to keep your retirement growing nice and steady without the roller coaster ride of the stock market.

But did you know you can fund one of these loans with retirement funds through a company that offers Self Directed IRA Plans?

Most large IRA companies only allow you to invest in stocks and bonds. Self-Directed plans, however, allow you to invest retirement funds in any investment the IRS allows.

This includes real estate and loans.

To invest in private notes using your retirement funds, you must set up an account with a company that offers the Self-Directed options.

Here is a list of some of the companies that offer Self-Directed plans:

  1. The Entrust Group
  2. Equity Trust
  3. Pensco
  4. New Direction IRA
  5. IRA Services Trust Company
  6. Midland Trust
  7. Mainstar Trust
  8. Vantage IRA’s

Of course, you can check the web for other local options, too.

Once you establish an account with one of these companies or another you feel comfortable with, you can start funding loans!

Our suggestion is to select two or three companies you can see yourself working with and shop them for fees and customer service.

Some companies charge just an annual fee, and some charge every time you create or payoff a loan. Other companies might charge you both fees. So, it’s smart to take a few hours and see what best matches your needs.

If you’re interested funding short-term loans (3 to 6-month loans) and have a funds moving back and forth, you might want to stay away from companies that charge larger fees per transaction.

On the other hand, if you’re more interested in long-term loans that go on for years, you probably want to find a cost structure that has a lower annual fee and a larger per transaction fee.

It’s truly up to you and what you’re comfortable with.

So, go check out a couple. Find the fees that match your goals and the customer service reps who will answer the phones and your questions.

If you have any questions on private lending with your IRA you can reach out to us through the contact us form and we would be glad to help.


What are private real estate notes?


Private lending with your IRA


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