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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.

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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.

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The Pine Advantage

Why Pine Financial for your loan? 

Streamlined funding process

We offer industry-leading underwriting and funding times. Our underwriting and closing processes are efficient.

No experience requirements

We provide dependable and proven capital at competitive rates regardless of your real estate investment experience.

In-house loan servicing

Our in-house servicing team will be a consistent and personal point of contact throughout your project.

No prepayment penalties

Each of our loan products is interest only with no prepayment penalties. If you complete your project sooner than anticipated, you can prepay at any time.

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

We are transparent with our loan pricing and will provide a proposed term sheet specific to your project.

Our Loan Process

We’re your partner throughout the process

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Step One: Complete application

Get pre-approved today or complete a full application for a specific deal. Documentation can be uploaded to our secure portal.  There is never a fee for a pre-approval and getting that approval allows us to send your loan commitment letter. 
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Step Two: Gather documentation

We will send you a specific list of what you need. Gather your financials, contract, scope of work, and budget.
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Step Three: Underwrite file

We will order an appraisal and property and lender title insurance policies. Our underwriting team will review the documentation provided and work with you to close any gaps.
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Step Four: Close

Congratulations! You’re done.  We coordinate with all parties to coordinate closing.  You just need to show up and sign.
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Questions? Get in touch

Tel: (303) 835-4445

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IRA Loans 101

Tools to start your journey

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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.

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Max Offer Worksheet

This worksheet walks you through calculating the maximum price you should pay for a property.

Download worksheet
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Scope of Work Spreadsheet

This worksheet will help you structure your budget for success by utilizing a proven model to estimate repair costs.

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MAO Rental Calculator

This calculator will help calculate your maximum offer price and return on investment with a rental property purchase.

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Questions? We’re here to help

How do you determine rates, leverage, and loan terms?
Rates, leverage amounts, and terms are dependent on the location and type of property. Get prequalified today and speak to one of our Loan Officers to get specific deal terms for your situation.
If my project takes longer than expected, can you extend the loan term?
We strive to stay flexible and partner with you through your project. If you need to extend the term of your loan, we will discuss terms of any extension but we are happy to work with you. 
Do you lend to first-time flippers?
Yes! We love helping first-time flippers. We are here to help with any questions you have including property valuations, budget reviews, and profitability calculations. Our goal is to work with you to help you succeed.
How do you determine the after-repair value (“ARV”)?
In most cases, the ARV is determined by an appraiser. We provide the appraiser with the scope of work, and the appraiser will determine the ARV assuming all repairs are completed.
How do repair draws work?
The full loan commitment amount is set aside for you upon origination and held in  escrow by Pine Financial Group. Draws are made and funds are released upon completion of certain milestones to ensure that the scope of work documented during underwriting  is being completed. In most cases, the first repair draw is advanced at close.
What if the repair costs incurred differ from the budgeted amount?
If costs incurred are less than the budgeted amount, you will receive all repair money upon completion of the project. If repairs costs are more than the anticipated budget, you will be required to make all repairs indicated on the repair estimate submitted during underwriting out of pocket. The last repair draw will not be funded until all repairs have been made.
Do you pull credit? If so, when?
We understand that credit inquiries may impact your credit score. We do not pull credit when you apply. Rather, we wait until you have a contract on a property and we are going to complete a deal together.
What are reserves and how much do I need to qualify?
Reserves represent the amount of cash you have on hand to fund expenses in excess of your budget and to fund your monthly interest payments. We require liquidity of the greater of 15% of the loan amount or $10,000. Retirement accounts are not considered in assessing your liquidity. Qualifying accounts and assets include personal or business checking and savings accounts, money market accounts, brokerage accounts, etc.

More loan options

Explore our other hard money loan offerings

Rehabilitation Loans

100% financing for real estate investors. This loan provides funding for the purchase price and rehabilitation costs, up to 70% of the property’s after repair value.
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90% Acquisition Loans

This loan provides borrowers with 90% of the property purchase price.
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90-90 Loans

A hybrid between our 90% Acquisition Loan and Rehab Loan products, the 90-90 Loan provides the benefit of funding the lion’s share of the rehab cost at a lower cost than the Rehab Loan.
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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.

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Construction Loans

This loan provides borrowers with financing to cover the cost of acquisition of land and development of a new home.
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Flash Cash Loans

This loan is used by real estate wholesalers to fund double closings. This product is available nationwide.
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