Self-Directed IRA Lending

IRA LendingSelf-Directed IRA Lending is A Key Tool in the Tool Box of Mega Successful Investors

Mega successful investors know that they need an arsenal of tools in order to maximize their ability to close those deals. One of the less known tools is an in-depth understanding of Self-Directed IRA Lending. Think about it…how many deals have you lost because your clients couldn’t get the money they needed from a bank?

Finding Self-directed IRA Lenders

  • Identify prospects you know
  • Open conversations
  • Introduction letter
  • One-on-one appointments produce the best results
  • Get commitment
  • Remember, you are presenting an opportunity that will benefit the potential private lender. No Begging, No Selling, No Chasing!
  • Remember, many potential private lenders do not know they can make loans with a self-directed IRA.

Self-Directed IRA Lending – How to Approach Self-directed IRA lenders

Think about what it would take for you to feel comfortable loaning someone money. When you begin to think about it in that light, these guidelines make a lot of sense:

You must gain the confidence of the self-directed IRA lender.

  • A great business plan can be a powerful tool in gaining their confidence. This plan will show them that you have thoroughly thought out the deal you are seeking money for.
  • Detail your skills and experience in relation to the deal you are seeking funds for. Showing them you are experienced in this type of investment gives them confidence that you have the skills you need to make the investment successful.
  • Share your credit report with them. A stellar credit report shows the lender that you are a person who pays what they owe.
  • Provide the lender with comps for the area in which you are purchasing the real estate.

Self-Directed IRA Lending – Reasons to Seek Self-directed IRA Lenders

Why people seek self-directed IRA lending is as diverse as the people and the deals they are working. Some of the most common reasons:

  • Immediate availability of funds is a main reason that investors use self-directed IRA lending. Having those funds available allows investors to swoop in and gather up great deals because they don’t have to make their offers contingent on financing.
  • Ability to close deals quickly is another reason investors seek out self-directed IRA lending.
  • Smaller down payments and in some cases no down payments are required with self-directed IRA lenders.
  • Self-directed IRA lenders often offer no points at closing.
  • You can sometimes get money upfront from self-directed IRA lenders. That’s correct, if you are lucky enough to negotiate this type of deal the private lender will actually give you money at the closing. For instance, if the real estate costs $60,000…you can sometimes negotiate to borrow $65,000.
  • There are times when you can negotiate ‘no payments’. For instance if you are working on a Fix and Flip deal, you can sometimes negotiate with the self-directed IRA lender so that you don’t have to pay them until you sell the home.

You can quickly see that using self-directed IRA lending can give you an edge over your competitors when you are making those offers.

Note: All of these are examples. The actual terms of your private loan depend upon the negotiation between you and your self-directed IRA lender. You should always check with your professionals about the rules and guidelines related to self-directed IRA lending.

IRA Lending

When it comes to the financial sector, what’s the most iconic symbol that instantly comes to mind? You’re most likely seeing dollar signs of course, and that succinctly summarizes the main objective of self-directed private IRA lending: more profits for your retirement fund. Every self-directed IRA at American IRA features the ability to conduct private IRA lending with the potential for increased returns.

Private IRA lending is an even more advantageous asset class in the post-credit bubble environment. Banks and other financial organizations have since tightened lending a great deal and are only starting to loosen their standards once more. Thanks to the power of self-directed IRAs, you can now fill the gap left by traditional lenders and loan to well-qualified businesses and individuals who have been otherwise locked out of the credit market.

Much of the industrialized world revolves around the credit market, as businesses and consumers frequently seek loans of all shapes, sizes, and varieties. With private IRA lending you can diversify your portfolio and reach these well-qualified borrowers. Clearly, the banking industry involves tremendous profit potential (just have a look at some of the elegant bank buildings across the country).

Your private IRA lending options are quite diverse – have a look at some of the top debt instruments you can include in your account:

IRA Lending

In short, private IRA lending has the potential to be a beneficial and effective addition to any self-directed IRA portfolio.

If you have any questions about opening a new account, contact us at 1-866-7500-IRA(472) or If you’d like to transfer your existing portfolio, contact us at 1-866-7500-IRA(472) or


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IRA Lending


In today’s economy, it can be really tough for many people to get a loan for a home or small business. Loan requirements are really strict, and this tightening of the purse strings can crush many dreams. If you are looking for an alternative way to invest your money, consider self-directed IRA lending.

Using your self-directed IRA for private lending allows you to loan out money to people who need it, and earn interest on the loan at the same time. This type of win-win situation isn’t just smart, it’s brilliant, and knowing that you are helping others is an added benefit that you just can’t get from a mutual fund.

If you think that private IRA lending is right for you, your first step should be to open a self-directed IRA account with a company you trust, like American IRA. A self-directed IRA means that you control where your money goes. With a traditional IRA, an investor decides which mutual funds and stocks to invest in, and private lending is out of the question. When you invest your money in a self-directed IRA, you can make money how, when and where you want to.

One nice aspect of lending your money privately with a self-directed IRA is that you get to decide who you lend your money out to! Do you have a friend or family member who is a qualified borrower? When you act as a private lender you can make the borrowing process easy and effortless for them, as long as the investment and/or family member is not prohibited.

Interested in helping others by becoming a private lender? Talk to the experts at American IRA about self-directed IRA services for individuals. Click here for more information about using your IRA for private lending, or call 1-866-7500-IRA(472) to speak with an American IRA representative.

If you have any questions about opening a new account, contact us at 1-866-7500-IRA(472) or If you’d like to transfer your existing portfolio, contact us at 1-866-7500-IRA(472) or


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Self-Directed IRA Lenders – Discovering an Ideal Investment

Self-Directed IRA LendersToday the American IRA team would like to highlight the many possibilities available to self-directed IRA lenders. Private IRA lending allows you to own a wide variety of debt instruments, so you can choose the investment that best fits you and your retirement plans.

These can include discounted notes, mortgages, car or truck loans, small business loans, equipment loans, unsecured loans, and almost any other loan type you can think of! Self-directed IRA lenders can lock in all of the income generated by these loans from income taxes, multiplying profitability and taking your retirement fund to new heights.

The credit market is just starting to thaw from a lending freeze, so there are still many different investment avenues to pursue. For example, you can function as an alternative funding source for businesspeople and individuals with a strong financial foundation who simply haven’t been able to qualify for a bank loan for example.

Roth IRAs are unique in the sense that the income and capital growth you generate within them is free of federal income tax as long as the funds have been in your account for at least 5 years or you’re at least 59½ years old. If you’ve discovered opportunities in the real estate market but you’re short on the time it would take to manage the process, you can become one of the many self-directed IRA lenders who have enjoyed the benefits of a self-directed IRA.

Finally, you’ll want to keep a few key facts in mind before pursuing this asset type. Much like regular loans, IRA lending allow you to structure repayment terms and determine interest rates, and you can decide whether promissory notes are secured (or not) with a Deed of Trust. Also, foreclosure, collections, and defaulted notes are the responsibility of the self-directed IRA rather than the account holder or American IRA. On the other hand, the account holder is responsible for selecting the professionals they would like to involve in the foreclosure/collection process and instructing American IRA to retain these professionals.

If you have any questions about opening a new account, contact us at 1-866-7500-IRA(472) or If you’d like to transfer your existing portfolio, contact us at 1-866-7500-IRA(472) or transactions@americanira.comClick here to learn more on our self-directed IRA lenders page.

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