Real Estate Investing with Coach Carson #475: The Tax Strategy Most Real Estate Investors Miss
Feb 16, 2026
Discussion of self-directed retirement accounts and how they let you place real estate and private loans inside IRAs and solo 401(k)s. Reasons to use retirement funds for investing, including tax advantages and accessing idle capital. Practical strategies for private lending, buying rentals within an IRA, and using partnerships or syndications. Warnings about limitations and operational caveats.
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Why Self-Directed Accounts Multiply Real Estate Returns
- Self-directed retirement accounts let you hold alternative assets like real estate inside IRAs or solo 401(k)s.
- That removes transaction-level taxes and lets compounding grow faster because gains and rent remain inside the account tax-advantaged.
Make Private Loans Through Your Retirement Account
- Do use your self-directed IRA or solo 401(k) as a private lender to earn secured interest without immediate taxes.
- Example: loan $200,000 from your IRA at 10% to a flipper; interest and principal return to the IRA for tax-free compounding.
Buy Cash Rentals Inside Your IRA For Tax-Free Growth
- Try buying rental properties inside your retirement account when you can pay cash to avoid personal-signature loans.
- Example: a $260,000 cash purchase rents for $2,000/mo, nets $14,400/yr, and a tax-free sale scales the account from $260k to $500k.