Investing with your Retirement Account on the RealtyMogul Platform

Sponsors on the RealtyMogul Platform may provide investors with the option to use their retirement funds in a Self-Directed IRA (SDIRA) or Checkbook Controlled IRA to invest directly into institutional-quality commercial real estate offerings.

What are the different types of retirement accounts?

A Self-Directed IRA (SDIRA) is a distinct category of retirement account in which you maintain total control over and responsibility for the investments in your account. This type of IRA allows you both greater control over managing your investments and potentially more freedom in the types of investments you can make than most conventional IRAs offer, including the ability to invest in real estate.

There are two different types of Self-Directed IRA’s: the custodian-controlled SDIRA and the self-directed IRA LLC or Trust with Checkbook control.

To learn more about the differences between these two types of SDIRAs, visit IRA Financial’s article on this topic: Custodian Controlled vs. Checkbook Control - IRA Financial Group. In addition, self-employed individuals with no full-time employees may have the opportunity to create a solo 401(k).

Potential Benefits of Investing in Real Estate with your SDIRA Account

Sponsors offer investors the ability to use their retirement funds in a Self-Directed IRA (SDIRA) account to invest directly into institutional-quality commercial real estate offerings.

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Commercial real estate is one of the most popular non-traditional asset classes for retirement investing because of the potential for long-term appreciation and consistent cash flow.
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Combined with the potential tax advantages of a qualified retirement plan, a passive investment in real estate that requires little effort from the investor may offer a compelling option for building retirement wealth.
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By adding exposure to real estate, investors diversify their retirement portfolios and potentially generate income that can grow and compound within a tax-sheltered retirement account over time.
Potential Pitfalls of Investing in Real Estate with your SDIRA Account

Risk: Real estate investments are speculative and involve substantial risk. A loss of part or all of the principal value of a real estate investment may occur.

Liquidity: Real estate investments are typically highly illiquid and are designed as long-term investments, and investors bear the economic risk of an investment for an indefinite period of time.

Inability to receive investment advice: SDIRA’s are self-directed, and custodians are not permitted to give investment advice. The purpose of the SDIRA is to give investors complete control over their retirement accounts rather than to provide investment advice

Paperwork, fees and complications: Investments in real estate and the use of SDIRAs often include additional fees and IRS requirements that may not be required in more traditional retirement options. It is important to do your homework to ensure you understand the fees being charged and avoid unnecessary expenses and be well versed in the IRS guidelines to avoid the risk of any tax penalties

Eligible Investment Options on the RealtyMogul Platform

Grow your retirement savings in a tax-deferred or tax-free environment. This investment vehicle enables individuals to reinvest profits from real estate investments, including rental income and capital gains, into other investments tax-free.

Open to All Investors
REITS
Minimum Investment
$5,000
A Real Estate Investment Trust, or “REIT”, is a single investment into a diversified basket of real estate properties

GET STARTED
Use our preferred custodian Equity Trust to set up your SDIRA account. Equity Trust offers discounted custodial fees for RealtyMogul REIT investors.
Open to Accredited Investors Only
PRIVATE PLACEMENTS
Minimum Investment
$35,000
Investment in a property with an operating partner who handles the day-to-day & provides oversight and management.

GET STARTED
Use our preferred custodian IRA Financial to set up your Checkbook IRA LLC or Trust account. IRA Financial offers discounted custodial fees for RealtyMogul private placement investors.
Invest in Real Estate with your SDIRA

To invest on the RealtyMogul platform, you’ll need to open an account with an accepted custodian*. It’s important to understand the different types of investment options available to you and the corresponding custodial requirements.

Self-Directed IRA

Checkbook IRA LLC or Trust

Also Known As

SDIRA

Checkbook Controlled IRA

Overview

Established by an individual and held by a custodian that’s specially equipped to handle the account’s administrative requirements.

The individual has complete control over the accounts’ investments and can make investment decisions without needing approval from a custodian.

This type of IRA is often established as an LLC or Trust and is managed by the individual rather than a third-party custodian.

RealtyMogul Investment Options

Income REIT
Apartment Growth REIT
RealtyMogul Private Placements

RealtyMogul Preferred Custodian

Equity Trust

- 45 years of experience¹

- Over 400 employees dedicated

- Over $41B in assets as of 12/31/22

IRA Financial

- Direct Access to Self-Directed IRA LLC, Trust, and Solo 401(k) experts

- Trusted by 25K+ members in all 50 States

- Over 3.2B in Alternative Assets in custody

Get More Info
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IRA Financial Logo

*Other custodians we accept: STRATA Trust Company, Forge Trust Company, Millennium Trust Co. LLC, Alto IRA, IRA Financial

¹Equity Trust Company was formed in 2003, from a predecessor company which was formed in 1974, which became an IRS-approved custodian of IRAs and other retirement accounts in 1983.

Disclaimer: RealtyMogul is unaffiliated with Equity Trust Company or IRA Financial. The presence of links or references to other companies or organizations on the RealtyMogul website does not imply any endorsement or affiliation with those entities.

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