Loans For Your IRA In Minnesota

It is well-known that individual retirement accounts, IRAs, help you save for the future. The tax benefits are undeniable. The problem is the limitations of your contributions and the inconsistency in the stock market. Did you know you can fix and flip houses or own rentals in your IRA? 

Real estate investing is not cheap, especially in Minnesota, and can be hard to acquire without large sums of cash. It is also tough to finance because of government restrictions. The government wants to protect retirement accounts, so they have imposed some guidelines to follow to avoid penalties. One rule that has created big problems for real estate investors is they do not allow the IRA owner to personally guarantee debt for the IRA. So if the IRA borrows money, there can be no recourse against the owner in the event of a default. 

The Non-Recourse IRA Loan is a very specialized loan only offered by lenders who understand real estate investing on a high level. 

Self-Directed IRAs In Minnesota Are A Powerful Way To Build Wealth For Your Retirement

Many brokerage companies claim to offer self-directed accounts. Sure, you can direct the investment as long as it is into one of their options, usually a mutual fund that they manage and charge fees for. 

A self-directed IRA allows you to invest in any asset that is not classified as prohibited. The list of prohibited investments is small, and real estate is not one of them. The most successful real estate investors in Minnesota incorporate investing through their IRA into their overall investing plan. To do that you have to set up a self-directed account. 

Real estate has proven time and time again that it is one of the best investments one can make. Over time the returns, especially when leveraged, outperform other asset classes. It produces income and will appreciate over time. Minnesota is a solid market to consider owning real estate in, and what better way than through your IRA?

Our IRA Loans

Because we focus on the needs of real estate investors, we understand the need for funding inside your IRA. 


  • Borrow up to 90% of your purchase AND 90% of your repairs
  • The 9-month term gives you plenty of time to flip the house or refinance it once it is repaired and producing cash flow
  • We pay contractors directly, keeping you safe by eliminating the risk of a prohibited transaction
  • No minimum loan requirements
  • Fast closings


  • Because there is no personal recourse, this is an easy loan to qualify for
  • No income or personal asset requirements (we do pull credit) 
  • Available to Minnesota investors
  • 90% of your purchase and repair costs up to 65% of the after repaired value (ARV) 

Hear From Others In Minnesota We Have Helped

IRA Loans Are A Complex Beast.