A self-directed IRA can give you more control over how your retirement savings are invested. Unlike many traditional IRA providers that limit you to stocks, bonds, mutual funds, and similar products, a self-directed IRA may allow you to invest in alternative assets, including certain types of real estate. This can include rental homes, commercial properties, raw land, private real estate funds, and more. However, the rules are important: the property generally cannot be used by you or certain family members, and you cannot personally benefit from it before retirement. Expenses, repairs, and income must flow through the IRA—not your personal accounts. Real estate held in a self-directed IRA can offer diversification and potential rental income or long-term appreciation, but it also involves costs, illiquidity, due diligence, and possible tax considerations. Before moving forward, work with a qualified custodian and consider speaking with a tax or financial professional to understand whether this strategy fits your retirement goals.
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