IRA Loans
Individuals with a self-directed IRA can utilize our non-recourse IRA loan to fund their next real estate investment. Per IRS rules, there is no personal recourse for this loan product, making it highly specialized and hard to find.
IRA LOANS 101
Helping investors purchase and improve real estate in their IRA
Fixing and flipping real estate in your IRA is a great way to turbo charge your retirement. Obtaining adequate capital to close deals in your IRA in the current environment can be challenging. If your IRA does not have enough cash to fund the entire project, use the IRA loan product to leverage your self-directed IRA funds in your next real estate investment. Our in-house servicing team offers you a consistent point of contact for any and all questions throughout the entire process.
With Pine Financial Group at your service, you gain access to the capital required throughout your project, empowering you to confidently navigate your fix and flip.
The Pine Advantage
Why Pine Financial for your loan?
Streamlined funding process
No experience requirements
In-house loan servicing
No prepayment penalties
Up to 65% of ARV
We work with borrowers to determine the potential profit to be earned on each project and lend up to 65% of the project’s after repair value.
Competitive fixed rates
Our Loan Process
We’re your partner throughout the process
Step One: Complete application
Step Two: Gather documentation
Step Three: Underwrite file
Step Four: Close
Questions? Get in touch
Tel: (303) 835-4445
IRA Loans 101
Tools to start your journey
Fix & Flip Calculator
Within seconds real estate flippers can calculate the total profits on a deal, the amount of money needed to close, return on investment, monthly payments, and more.
Max Offer Worksheet
This worksheet walks you through calculating the maximum price you should pay for a property.
Scope of Work Spreadsheet
This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.
MAO Rental Calculator
This calculator will help calculate your maximum offer price and return on investment with a rental property purchase.
Questions? We’re here to help
How do you determine rates, leverage, and loan terms?
If my project takes longer than expected, can you extend the loan term?
Do you lend to first-time flippers?
How do you determine the after-repair value (“ARV”)?
How do repair draws work?
What if the repair costs incurred differ from the budgeted amount?
Do you pull credit? If so, when?
What are reserves and how much do I need to qualify?
More loan options
Explore our other hard money loan offerings
Rehabilitation Loans
90% Acquisition Loans
90-90 Loans
Bridge Loans
Bridge loans are used by real estate investors to cover the gap between the purchase of the property and their long-term financing solution.