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SELF-DIRECTED IRA LENDING

Self-Directed IRA Lending

The Basics of Self-Directed IRA Lending

Traditional lenders – banks, S&Ls, credit unions and established finance companies – have tightened their lending standards significantly. This has left a huge opportunity for smaller lenders to service the needs of perfectly solid entrepreneurs and other quality borrowers who need financing through Self-Directed IRA Lending. Many times they have established track records and solid assets backing the loan application, but are still unable to obtain bank financing.

Lending from Self-Directed IRAs can frequently be completed by streamlining underwriting procedures and providing quick funding. In exchange, borrowers are frequently willing to pay interest rates well above the market rate for bank loans.

With Self-Directed IRA Lending, you negotiate the interest rate and terms with the borrower. The Self-Directed IRA custodian does not set the terms.

Self-Directed IRA Lending Investment Options

 Mortgages and Trust Deeds

 Secured Notes

 Unsecured Notes

 Private Business Loans

 Commercial Real Estate Development

 Car Notes

 Property Tax Liens and Deeds

 “Hard Money” Lending

 Bridge Loans

 Purchases of Distressed Debt

Important Rules to Remember About Self-Directed IRA Lending

  Self-Directed IRA lending allows you to structure repayment terms and set up interest rates.

 You have the power of choice and, as such, you can decide whether promissory notes are secured or unsecured with a Deed of Trust.

  Due diligence is the key to a successful Self-Directed IRA loan.

•  Foreclosure, collections, and defaulted notes are the responsibility of the Self-Directed IRA lending account holder. Utilizing a note servicing company makes this process easier.

Quality Borrowers

If you have access to quality borrowers, the law allows you to engage in Self-Directed IRA Lending, using your IRA. In fact, in some ways, Self-Directed IRA Lending can be an excellent IRA investment, because of the tax deferral of interest payments. In the case of a Self-Directed Roth IRA, your IRA can even receive interest payments tax free – provided the account has been open at least five years and you are older than age 59½.

Professionals

As with all investments, it is important to involve professionals so that your interest is protected. In the case of Self-Directed IRA Lending those professionals most commonly include the title company, attorney, and servicing agent.

Our Experience

At American IRA, we do this every day. We have simplified our process so that you can quickly and easily take care of your Self-Directed IRA Lending transactions. If you would like to open a new account or have questions about opening a new account, please contact our office at 1-866-7500-IRA(472) or sean@americanira.com.

If you are an American IRA Client and you have questions regarding the investment process, please contact our office at 1-866-7500-IRA(472) or transactions@americanira.com.

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© 2022 American IRA
DISCLAIMER American IRA, LLC, a North Carolina limited liability company, serves as a Third Party Administrator on behalf of the Custodian, New Vision Trust Company, a state chartered South Dakota Trust Company. As a Self-Directed IRA administrator we are a neutral third party. We do not make any recommendations to any person or entity associated with investments of any type (including financial representatives, investment promoters or companies, or employees, agents or representatives associated with these firms). We are not responsible for and are not bound by any statements, representations, warranties or agreements made by any such person or entity and do not provide any recommendation on the quality, profitability or reputability of any investment, individual or company. The terms "we" and "us" refer to American IRA, with offices located in Asheville, NC and Charlotte, NC.
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Download Our Essential Guide to Self-Directed IRAs!

Download Our FREE Essential Guide to Self-Directed IRAs!

At American IRA, we pride ourselves on our exceptional educational materials that cater to everyone from beginners to advanced investors.

Our Essential Guide to Self-Directed IRAs is a great resource whether you’re new to investing or looking for increased diversification for your existing Traditional IRA, Roth IRA, SEP, Solo 401(k), SIMPLE, Health Savings Account, or Coverdell Education Account.

Download Now

  • Why a Self-Directed IRA?
  • How it Works
  • Investing: Popular Options
  • Real Estate
  • Private Lending
  • Tax Liens
  • Single Member LLC (a.k.a. Checkbook IRA)
  • And much more!

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Sign up for a free consultation with our Self-Directed IRA Specialist and learn how to maximize diversification by using a Self-Directed IRA to invest in alternative assets such as gold, private placements, real estate, etc.

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