COMING SOON

Real Estate IRA

Invest in Property Inside Your Retirement Account

Invest in Property Inside Your Retirement Account

Invest in Property Inside Your Retirement Account

Buy rental properties, commercial real estate, raw land, and more, inside a tax-advantaged IRA. Retired.com makes it possible to hold real assets in your retirement portfolio.

Real estate belongs in your retirement portfolio

Real estate belongs in your retirement portfolio

Real estate has been one of the most popular wealth-building tools for generations. A Real Estate IRA lets you hold property inside a tax-advantaged retirement account, so rental income and appreciation can often grow tax-deferred or tax-free, depending on your account type. 

Real estate has been one of the most popular wealth-building tools for generations. A Real Estate IRA lets you hold property inside a tax-advantaged retirement account, so rental income and appreciation can often grow tax-deferred or tax-free, depending on your account type. 

Range of Property Types

Range of Property Types

Invest in residential rentals, commercial properties, raw land, fix-and-flip projects, and more. All inside your IRA.

Invest in residential rentals, commercial properties, raw land, fix-and-flip projects, and more. All inside your IRA.

Tax-Advantaged Growth

Tax-Advantaged Growth

Rental income and property appreciation grow inside your IRA with tax-deferred or tax-free treatment, depending on account type.

Rental income and property appreciation grow inside your IRA with tax-deferred or tax-free treatment, depending on account type.

Full Ownership

Full Ownership

Your IRA holds title to the property. You direct the investment while Retired.com provides the custody and administrative support.

Your IRA holds title to the property. You direct the investment while Retired.com provides the custody and administrative support.

$12B+

$12B+

Assets Under Custody*

Assets Under Custody*

250K+

250K+

Community Members

Community Members

★★★★★

4.7 / 5

4.7 / 5

rating**

rating**

COMING SOON

Start Investing in Real Estate with Your IRA

1. Open an Account

Sign up and establish your self-directed IRA. Fully online with secure identity verification.

2. Fund Your Account

Transfer, roll over, or contribute funds to your IRA. Our team guides you through the funding process.

3. Invest in Real Estate

Identify a property and direct your IRA to make the purchase. All income and proceeds flow back into your tax-advantaged account.

Top Benefits of Retired.com’s Real Estate IRA

Tangible Asset Ownership

Hold physical property inside your retirement account. A real asset you can see, evaluate, and understand.

Expert Support

Real retirement specialists available to guide you through the real estate IRA process. Not bots, not FAQs.

Portfolio Diversification

Add real estate to your retirement portfolio alongside other asset classes for broader diversification.

Low, Transparent Fees

No hidden charges. You’ll always know exactly what you’re paying.

Ways to Fund Your Real Estate IRA

Transfer an existing IRA

Transfer an existing IRA

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

401(k) Rollovers

401(k) Rollovers

Transfer your old 401(k) or employer plan tax-free into a IRA. We handle the paperwork.

Transfer your old 401(k) or employer plan tax-free into a IRA. We handle the paperwork.

Make a new contribution

Make a new contribution

Start fresh with a direct contribution. Annual limits apply based on your account type.

Start fresh with a direct contribution. Annual limits apply based on your account type.

Get Started

Your Real Estate IRA Blueprint, for Free

Want to learn how to buy property inside an IRA, understand the rules around prohibited transactions, and explore different property strategies? Our resource center has you covered.

Frequently Asked Questions

What is a Real Estate IRA?

A Real Estate IRA is a self-directed IRA that allows you to invest in real property. Assets like rental homes, commercial buildings, raw land, or other real estate, can be invested in inside a tax-advantaged retirement account. Your IRA holds title to the property, and all income and proceeds flow back into the account.

What types of real estate can I hold in my IRA?

You can invest in a variety of property types, including residential rentals, commercial real estate, raw land, real estate notes, and fix-and-flip projects. Certain restrictions apply. For example, you cannot use IRA-owned property for personal use. Our specialists can walk you through the rules.

How does rental income work inside an IRA?

All rental income from an IRA-owned property flows directly back into the IRA. It grows tax-deferred (Traditional IRA) or tax-free (Roth IRA). Expenses related to the property must also be paid from the IRA.

Can I personally live in or use IRA-owned property?

No. IRS rules prohibit you, your spouse, and other disqualified persons from personally using property held inside an IRA. The property must be held strictly as an investment.

Can I use a mortgage to buy property inside my IRA?

Yes. Your IRA can use a non-recourse loan to finance a property purchase. Non-recourse means the lender can only claim the property itself as collateral, not other IRA assets. Be aware that leveraged real estate inside an IRA may be subject to Unrelated Debt-Financed Income (UDFI) tax.

What fees are associated with a Real Estate IRA?

Retired.com charges transparent fees for account administration and real estate transaction processing. There are no hidden charges. Full fee details are provided before you commit.

Is my Real Estate IRA secure?

Yes. Your IRA is held with institutional-grade custody. Property titles are held in the name of the IRA, and all documentation is maintained for compliance and reporting purposes.

*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.

**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.

^Reviews and media mentions listed on this page include those across all Retired.com consumer brands.

Your Future Starts Now. Let’s Build It Together.

Invest in the assets that will fund your retirement

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.