An New Take On Value Investing: Use Your IRA

Value investing with your IRA may offer interesting alternatives, especially if you have a self-directed IRA. These IRAs are a bit more flexible than other retirement plans and, as long as certain rules are followed, may be used to purchase foreclosed single family homes. The restrictions prohibit owner occupation of the home or to use it as a vacation second home so owners must be willing to become landlords. All rental income must go back into the IRA, which also pays all expenses and maintenance.
 
The owner can secure a mortgage through the IRA but it must be set up as a non-recourse loan. A non-recourse loan is secured by collateral, in this case the real estate itself. That’s another restriction—owners can only use the collateral itself to secure the loan; they cannot add cash or use other sources in case of default.
 
With the outlook for rental income rising more than single family home values, this could be a source of higher income and asset appreciation for an IRA. Although advisors do not make investment decisions in these types of IRAs, being a resource to business owners who need this type of information may be an attractive way to build a trust relationship.

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