FDIC-Insured-Backed by the full faith and credit of the U.S. Government
Self-Directed
Retirement Real
Estate Loans
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.
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Why Choose Our Non-Recourse Real Estate Loans?
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.
Flexible Property Types
From single units to fourplexes, condos, townhomes.
Leverage Retirement Funds
Use self-directed retirement funds to build your real estate portfolio
Competitive Rates
Rates starting at 7.25% APR (subject to underwriting – the final rate may be higher)
Competitive Terms
25-Year Adjustable or 30-Year fixed commercial real estate loans
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Maximize your retirement with a Non-Recourse Loan.
Give your retirement investment a boost by leveraging our retirement non-recourse lending program. We can finance your investment in a single-family home, multi-family property (up to 4 units), condo or townhome held in your Self-Directed IRA or Solo 401(k).
Loan Amount
Minimum of $100,000
Maximum Loan-to-Value
Up to 70%
Interest Rate
Rates currently starting at a minimum of 7.25 - 8.0% APR (subject to underwriting – the final rate may be higher)
Origination Fee
Starting at 1.5%, subject to underwriting
Terms
We offer variety of loan products including Adjustable Rate and Fixed Rate commercial real estate loans amortized over 25 or 30 years; monthly payments will include principal, interest, taxes and insurance.
Maturity
25 or 30 years
Minimum Requirements
The property must generate sufficient net operating income (rents minus operating expenses) to exceed loan payment by at least 25%. Minimum cash reserves must be maintained in your retirement account.
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How it works
From application to portfolio growth, here’s how our retirement lending process works to help you invest with confidence.
Apply & Underwriting
Based on property, debt to service coverage ratio (DSCR), personal credit and retirement liquid funds
Property Evaluation
Subject to credit and property underwriting, we verify rents and expenses to make sure the property must generate sufficient net operating income (rents minus operating expenses) to exceed loan payment by at least 25%. Minimum cash reserves must be maintained in your retirement account.
Loan Approval & Funding
Once property is approved by our Loan Committee, Solera Natonal Bank will fund the loan based on company policy and procedures.
Manage & Grow Portfolio
As the property appreciates or generates cash flow, your retirement account benefits from both equity growth and rental income.
