On May 28, 2025, American IRA welcomed attendees to another impactful session of The IRA Café Webinar Series, featuring guest expert Ryan Hughes of Non-Recourse Loan (NRL).

With decades of experience in executive banking, real estate finance, and equity capital strategy, Ryan brought more than just financial know-how; he delivered a clear roadmap to one of the most misunderstood yet powerful tools in retirement investing: non-recourse lending for Self-Directed IRAs.

As Ryan shared, non-recourse loans allow IRA holders to finance real estate deals without putting their credit on the line. But qualifying for this type of loan isn’t one-size-fits-all. He walked attendees through exactly what lenders are looking for, from eligible property types and minimum loan amounts to required cash reserves and debt-coverage ratios.

The discussion also delved into an often-overlooked aspect of leveraged IRA investing: UBIT (Unrelated Business Income Tax) and UDFI (Unrelated Debt-Financed Income). Ryan offered practical strategies on how to navigate these taxes, helping investors preserve more of their returns while staying compliant.

Whether you’re exploring your first Self-Directed IRA real estate deal or refining your lending strategy, Ryan’s webinar made one thing clear: knowledge is your greatest asset, and with the right loan structure, your IRA can go further than you imagined.

If you were unable to attend the live session or want to review the valuable information he shared, you can access the full Zoom recording via the link below.

Link to Webinar Recording

American IRA is dedicated to providing valuable educational resources, and our IRA Café series continues to serve up new webinars every month.

Don’t forget to check out the IRA Café Podcast, where we invite guest experts to share stories, as well as investors’ knowledge and experience. A new episode is released every other Thursday!

You can also visit the events page at americanira.com/events, where we regularly update information about upcoming virtual events, including more webinars like this one. If you have any questions or need assistance, feel free to call American IRA at 866-7500-IRA (472) or email us at Marketing@AmericanIRA.com.

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