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Unlock Retirement Assets to Fund More Investments
Most investors think retirement accounts can only invest in stocks, mutual funds, and ETFs.
But many real estate investors are using retirement capital to invest in multifamily, self-storage projects, mobile home parks, and private real estate funds instead.
Self-Directed IRAs (SDIRAs) and Solo 401(k) plans may allow investors to diversify beyond Wall Street while keeping potential tax advantages.
What Is a Self-Directed IRA?
A Self-Directed IRA is a retirement account that allows investors to choose alternative investments instead of being limited to traditional brokerage products.
Instead of only investing in:
Stocks
Mutual funds
ETFs
Investors may also invest in:
Multifamily
Self-storage facilities
Mobile home parks
Private real estate funds
Private lending opportunities
The investor directs the investments while a custodian handles administration and compliance.
Why Investors Use SDIRAs
Diversification
Many investors want exposure outside of traditional stock market investments.
Alternative real estate assets may provide access to cash-flowing investments and long-term appreciation opportunities.
Potential Tax Advantages
Depending on the account structure, investment growth may be:
Tax-deferred
Tax-free
Over time, that can create significant compounding potential.
Access to Private Real Estate Deals
Traditional brokerages generally do not allow investments into private investments or real estate funds.
Self-Directed IRAs may provide access to:
Apartment
Self-storage funds
Mobile home park investments
Private real estate opportunities
What Accounts Can Be Used?
Many investors first explore self-directed investing after leaving a job or rolling over an old retirement account.
Eligible accounts may include:
401(k)s
403(b)s
Traditional IRAs
Roth IRAs
SEP IRAs
SIMPLE IRAs
In many cases, these transfers can be completed without triggering taxes through direct rollovers or trustee-to-trustee transfers.
What Is a Checkbook IRA?
Some investors use a “Checkbook IRA” structure.
In this setup:
The IRA owns an LLC
The investor manages the LLC
Investments are made directly through the LLC bank account
This can make it easier to move quickly on real estate investment opportunities like multifamily, self storage, funds and others.
Important Rules Investors Should Understand
Self-directed retirement investing comes with important IRS rules.
No Commingling of Funds
Personal and retirement funds must remain separate.
Prohibited Transactions
The IRS prohibits certain transactions involving retirement accounts and disqualified persons, including:
Self-dealing
Personal use of retirement-owned property
Improper transactions with family members
Because these rules can be complex, investors often work with qualified custodians, CPAs, and legal professionals.
What Is a Solo 401(k)?
A Solo 401(k) is commonly used by self-employed investors and business owners.
Potential benefits may include:
Higher contribution limits
Roth contribution options
Flexible investment choices
Access to alternative investments
According to the presentation, 2025 contribution limits may allow up to $70,000 in total contributions depending on eligibility and income.
What Is a Roth Conversion?
A Roth conversion allows investors to move retirement funds from a pre-tax account into a Roth account.
Some real estate investors explore Roth conversion strategies because they believe their investments may appreciate significantly over time.
For example:
Multifamily value-add projects
Self-storage developments
Mobile home park repositioning
Private real estate funds
If future growth occurs inside a Roth structure, qualified gains may potentially become tax-free.
Final Thoughts
Many investors do not realize their retirement accounts may be able to invest beyond traditional Wall Street products.
Self-Directed IRAs and Solo 401(k) plans can provide access to:
Multifamily acquisitions
Self-storage investments
Mobile home park opportunities
Private real estate funds
For passive investors looking to diversify their portfolios, retirement accounts may become another source of investment capital.
Interested in Investing With Retirement Funds?
Contact us to learn more about using retirement capital for multifamily, self-storage, mobile home park, and private real estate investments.
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