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Real Estate IRA
Invest in Property Inside Your Retirement Account
Real estate belongs in your retirement portfolio
Real estate has been one of the most popular wealth-building tools for generations. A Real Estate IRA lets you hold property inside a tax-advantaged retirement account, so rental income and appreciation can often grow tax-deferred or tax-free, depending on your account type.
Range of
Property Types
Invest in residential rentals, commercial properties, raw land, fix-and-flip projects, and more. All inside your IRA.
Tax-Advantaged
Growth
Rental income and property appreciation grow inside your IRA with tax-deferred or tax-free treatment, depending on account type.
Full
Ownership
Your IRA holds title to the property. You direct the investment while Retired.com provides the custody and administrative support.
★★★★★
Top Benefits of Retired.com’s Real Estate IRA
Tangible Asset Ownership
Hold physical property inside your retirement account. A real asset you can see, evaluate, and understand.
Transparent Fees
Clear fees for account administration and real estate transactions, disclosed upfront. No hidden charges.
Portfolio Diversification
Add real estate to your retirement portfolio alongside other asset classes for broader diversification.
Expert Support
Real retirement specialists available to guide you through the real estate IRA process. Not bots, not FAQs.
Tax-Advantaged Growth
Rental income and property appreciation grow inside your IRA with tax-deferred or tax-free treatment, depending on account type.
COMING SOON
Start Investing in Real Estate with Your IRA
Strategies
Your real estate blueprint, for free
Ready to see how real estate fits your retirement strategy? Start here. Check out our resource center for all things real estate and retirement. Written by our retirement specialists, built for investors interested in tax-advantaged growth.
Learn Before You Start with Retired.com’s Guides and Articles
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Frequently Asked Questions
What is a Real Estate IRA?
A Real Estate IRA is a self-directed IRA that allows you to invest in real property. Assets like rental homes, commercial buildings, raw land, or other real estate, can be held in a tax-advantaged retirement account. Your IRA holds title to the property, and all income and proceeds flow back into the account.
What types of real estate can I hold in my IRA?
You can invest in a variety of property types, including residential rentals, commercial real estate, raw land, real estate notes, and fix-and-flip projects. Certain restrictions apply. For example, you cannot use IRA-owned property for personal use. Our specialists can walk you through the rules.
How does rental income work inside an IRA?
All rental income from an IRA-owned property flows directly back into the IRA. It grows tax-deferred (Traditional IRA) or tax-free (Roth IRA). Expenses related to the property must also be paid from the IRA.
Can I personally live in or use IRA-owned property?
No. IRS rules prohibit you, your spouse, and other disqualified persons from personally using property held inside an IRA. The property must be held strictly as an investment.
Can I use a mortgage to buy property inside my IRA?
Yes. Your IRA can use a non-recourse loan to finance a property purchase. Non-recourse means the lender can only claim the property itself as collateral, not other IRA assets. Be aware that leveraged real estate inside an IRA may be subject to Unrelated Debt-Financed Income (UDFI) tax.
What fees are associated with a Real Estate IRA?
Retired.com charges transparent fees for account administration and real estate transaction processing. There are no hidden charges. Full fee details are provided before you commit.
Is my Real Estate IRA secure?
Yes. Your IRA is held with institutional-grade custody. Property titles are held in the name of the IRA, and all documentation is maintained for compliance and reporting purposes.
*Based on assets under custody across all Retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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