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What investments are held by your 401k. You don\u2019t know? I don\u2019t either, but I can tell you one thing for sure - it\u2019s not real estate. Why? It\u2019s too much hassle for 401k administrators. This reality has given rise to independent retirement account administrators called custodians to allow you to direct your retirement dollars into real estate. The trick is - you can\u2019t do it with your current employer\u2019s retirement plan. You have to fund it separately. Today I\u2019m going to introduce you to one of the most powerful and successful Self Directed IRA custodians out there - American IRA. And we are going to talk about how you can invest retirement money into safer, better returns, which are tax-deferred and could even be tax free.\xa0

Sean McKay American IRA Senior Vice President talked with me and with the Flipping America REIA about your options to invest with a self-directed retirement account. You could be building tax-free wealth. Learn how to create an account, roll-over an existing 401k or other retirement account, and hear several strategies for putting this money to work.\xa0

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Flipping America Funding : Get the money you need for your business, for your training, for infrastructure, and for your projects. Flipping America Funding is your one-stop shop for all of your business funding needs. FlippingAmericaFunding.com.\xa0

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• Nice summary https://www.thebalance.com/how-to-invest-in-real-estate-with-a-self-directed-ira-4057066
• This article does a nice job of explaining how it\u2019s done and points out the one real knock on investing in real estate with your SD-IRA https://www.kiplinger.com/article/real-estate/t032-c032-s014-how-to-use-a-self-directed-ira-for-real-estate.html
• Also a good summary: https://www.irafinancialgroup.com/learn-more/self-directed-ira/self-directed-ira-for-real-estate/
• This link highlights the distinction between self-directed and self-managed and thoroughly defines \u201ccustodian\u201d https://www.realtymogul.com/knowledge-center/article/investing-self-directed-ira-real-estate-basics
• One of the most complete overall summaries. Also points out the advantage of forming a business entity within the SD-IRA https://morrisinvest.com/blog/2020/5/16/how-to-use-a-self-directed-ira-to-invest-in-real-estate/
• Quick read, basic. https://www.theentrustgroup.com/blog/basics-of-self-directed-iras-and-purchasing-rental-property-with-retirement-funds
• I like investopedia generally, but this article was clearly written by someone who is terrified of real estate. https://www.investopedia.com/articles/personal-finance/111615/using-your-ira-buy-investment-property.asp
• Good mention of the need for non-recourse loans in a self-directed. https://www.forbes.com/sites/greatspeculations/2018/04/09/five-things-to-consider-before-buying-real-estate-with-a-self-directed-ira/?sh=767a61d81d8a

Don\u2019t ask for things to be easy. I will take easy money when it comes, but I\u2019m not going to simply wait for it. Some of life\u2019s most valuable things come from what is hard. Relish the hard.\xa0

• Suzanne, Tampa, FL, \u201cI looked at a private placement memo from an apartment operator and he talked about a cap rate of 7% but the investment projects a 13% IRR. I looked that up and read some articles about IRR, but I\u2019m as confused as ever about what it really means. Can you help?\u201d
• Carla, Stone Mountain, GA \u201cI tried to buy a rental house nearby. I have a good job and good credit (over 720) and the house already has a tenant living in it. But my bank denied the loan because of debt to income. They said I didn\u2019t make enough money to qualify for both payments. When I looked into this, they weren\u2019t counting the income from the property. What can I say to help them understand their error?\u201d
• Ted, Macon, GA \u201cI was going for a loan on a couple of rental houses and the lender only counted part of the rental income. When I asked why they said \u201cexpense ratio\u201d. Can you explain this?\u201d
• Andrew, Baltimore, MD, \u201cI was telling my friend that I just got a subject-to deal with $200 per month positive cash flow. He asked me how I was going to make up for what I\u2019d be losing on that deal. I thought he was kidding, but he was dead serious. I didn\u2019t want to look like a moron to my friend, so I thought I\u2019d ask you.\u201d

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