A self-directed IRA can own a rental home. The IRA, not you, is the buyer, and every dollar in or out goes through the account.
No dealing with yourself
The IRA cannot buy from, sell to or rent to you or close family members (ancestors and descendants), or entities they control. You also cannot do repairs on the property yourself.
Loans must be non-recourse
If the IRA borrows, the loan must be secured only by the property, with no personal guarantee. Income from the financed part can trigger unrelated business income tax (UBIT). Many IRA buyers pay cash to avoid this.
Independent management
Rent goes to the IRA and expenses are paid by the IRA. A third-party manager such as BNL is the usual setup.
How a purchase works with us
Your custodian signs the purchase agreement in the IRA’s name and funds the closing. We provide the property package and the management agreement; your custodian and advisor confirm the structure.