Leverage non-recourse real estate lending to acquire single-family homes, multi-unit properties (up to 4 units), condos, or townhouses — all held inside your self-directed retirement account.
Leverage non-recourse real estate lending to acquire single-family homes, multi-unit properties (up to 4 units), condos, or townhouses — all held inside your self-directed retirement account.
From single units to fourplexes, condos, townhomes
Use retirement funds to build real estate portfolios
No recourse to your personal assets
Interest rates starting at 7.99 % APR (final rate based on underwriting)
25- or 30-year terms (fixed or adjustable)
(Terms & conditions subject to change)
Minimum of $100,000.00
Up to 70%
Starting at 7.99% to 8.75% APR (underwriting applies)
From 1.5% (underwriting dependent)
25 or 30 years, choice of fixed or adjustable rates. Payment includes principal, interest, taxes & insurance
25 or 30 years
Property must generate net operating income that exceeds debt service by at least 25%. Adequate cash reserves must be held in your retirement account.
1. Apply & Underwrite
Submit loan application; we conduct underwriting based on property income, credit, and retirement account assets.
2. Property Evaluation
We assess the property, verify rents and expenses, and ensure it meets income thresholds.
3. Loan Approval & Funding
Once approved, funds are deployed into your self-directed account; repayments come from the property’s cash flow.
4. Manage & Grow Portfolio
As the property appreciates or generates cash flow, your retirement account benefits from both equity growth and rental income.
Individuals holding Self-Directed IRAs or Solo 401(k).
Those seeking to invest in real estate within retirement accounts.
You must maintain sufficient cash reserves and ensure that property cash flow exceeds debt payments by at least 25%
Still have questions? Contact Us
Call us at
303-937-6426
Monday through Friday, 9:00 am to 5:00 pm Mountain Time. Or send an email to selfdirected@solerabank.com.
For your protection, please do not include non public personal information, such as account and social security numbers, in your email message.
