Real Estate & YOUR IRA!
Martin Rubin, LLC specializes in finding investment properties for clients with IRAs. Martin Rubin, LLC and Gainesway Realty, Inc. do not provide tax, investment or legal advice. For financial or legal advice, contact a qualified professional.
Did you know that many people are making their IRAs work harder
and faster by investing in real estate?
How would you like to:
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Buy residential or commercial properties, rehabs, or vacant land with the money in your IRA?
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Partner with your IRA or other IRAs to extend your investment power?
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Learn how your IRA can take out a mortgage and use tax deductions?
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Sell your IRA-owned property and PAY NO CAPITAL GAINS TAX?!
Here’s How:
For more than 30 years, savvy real estate investors have used Individual Retirement Accounts (IRA) to purchase virtually any kind of fee-simple investment real estate, including:
- Raw or Developed land
- Single & Multi-family homes
- Condos, Co-ops & Townhomes
- Apartment buildings
- Commercial property
To do so, investors must open a Self-Directed IRA with an IRS-approved Custodian or Trustee and have their retirement plan funds transferred or rolled over to their new account. Self-Directed investing is regulated by state and federal Banking regulations and IRS tax law. The term ‘Self-Directed’ investing, simply means that the investor chooses the investment, which can be any asset not prohibited by the IRS. The investor simply directs their Administrator to make a legal investment on their behalf. Self-Directed IRAs are no different than conventional IRAs, except that they allow investment in non-standard assets, such as real estate and many other kinds of investments.
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With a Self-Directed IRA, individuals can invest in real estate in many ways. If the Self-Directed IRA has sufficient funds the IRA can purchase the property outright, such that the asset is held in the IRA. As owner of the land, the IRA must have sufficient funds to pay expenses. Investors can also ‘Partner’ with other IRAs, themselves or other qualified persons to effectively extend their purchasing power. Imagine having personal funds and IRA funds to purchase the property, such that each share would own “an undivided interest” in the property, which means they share all expenses and profits based on that pro-rata share. Similarly, investors may use legal entities, such as a Limited Liability Company (LLC) and Limited Liability Partnership (LLP) to invest in real estate. Finally, IRAs can use leverage, which means that investors can direct their IRA to take out a mortgage to purchase rental income property. These must be ‘Non-Recourse’ loans which are procured from private or specialized lenders and the loan’s repayment and expenses must come from the IRA through yearly contributions and/or income from the property in the plan.
Self-Directed IRAs allow investors to keep more of what they earn. The greatest advantage is that IRA investors pay no Capital Gains tax when the property is sold by the IRA. In addition, because the profit from the sale is deposited back into the IRA with no tax on gain or growth, the investor enjoys the power of compound interest to invest in the next real estate deal. Although IRS 1031 Exchanges can be used to defer taxes on investment real estate, Self-Directed IRAs do not have the same limitations and holding periods, thus are much more flexible. Finally, if you’re like many investors that are tired of under-performing investments in stocks, bonds and mutual funds, Self-Directed IRAs offer true portfolio diversification in tangible assets, like real estate to help build tax-deferred and/or tax-free wealth!
Your first step in purchasing real estate is to find your ideal property. Purchasing real estate with your IRA is very similar to conventional means, but IRS regulations must be observed. As with any investing, it’s always appropriate to have competent advice on tax and legal matters. Beyond that, the best remedy to avoid problems with the IRS is to become an educated investor by reading or attending a workshop or seminar on buying real estate in an IRA offered by your local Self-Directed IRA administrator.
Clients who work with me as a Buyer's Agent get an introduction to a leading IRA administrator - a firm that for over 25 years has helped investors build wealth through the use of self-directed retirement plans. Don't miss this opportunity to contact me and learn more about IRA real estate investing - so that working together as a team we can PUT REAL ESTATE TO WORK FOR YOUR IRA!!
More about working with a Buyer's Agent.
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By completing the following information, you are granting Martin Rubin permission to call you at the phone number provided to follow-up on real estate services offered by Martin Rubin LLC for up to three months from the date you made the inquiry on www.MartinRubin.com. Martin Rubin honors all consumer requests to be placed on his company-specific do not call list.
