Directed IRA Podcast Rentals, Lending, and Flips in your Self-Directed IRA
Mar 10, 2026
Practical breakdowns of using retirement accounts to buy rentals, fund flips, and make private hard-money loans. Real-world examples show HSA and IRA structures, pooled IRA LLCs, and step-by-step setup options. Clear warnings on prohibited transactions, personal work limits, and agent commission rules.
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Mark's HSA Rental Bought With 10% Down
- Mark J. Kohler bought a single-family rental inside his HSA with roughly 10% down and seller financing after the 2009 crash.
- The property still cashflows ~$200/month and paid for medical expenses over the years.
Retirement Accounts Can Collaborate In Deal Chains
- Multiple investors' retirement accounts can participate in the same local deal chain if transactions are arm's length.
- One IRA can lend to a rehab, another IRA can flip, and a third IRA can buy the finished buy-and-hold property.
Roth IRA Option On Land Became $1M Tax-Free Gain
- A client used a Roth IRA to buy a five-year option on land for $10,000 when zoning changes were planned.
- Three years later the exit was built; he sold the option for a million-dollar net gain tax-free inside the Roth.
