Mid South Home Buyers

Retirement Investing

Maximize your retirement with real estate in your IRA.

Invest directly in turnkey properties using a self-directed IRA. Work with Equity Trust Company, our trusted custodian partner, and explore non-recourse financing designed for retirement investors.

A hand using a calculator beside stacked coins, with a rising arrow and percentage symbols

Why real estate in your IRA

Control your retirement. Diversify beyond stocks.

Self-Directed IRA Investing

Move beyond stocks and bonds. Invest in real property and control your retirement account directly.

Trusted Custodian Partner

Equity Trust Company: 50+ years managing $81 billion in alternative assets. Expert IRA guidance and compliance oversight.

Non-Recourse Financing

Borrow up to 60% with zero personal liability. Lender looks only to the property and rent stream.

No Underwriting Required

Fast approval. No employment verification, no credit checks, no delays. Streamlined application process.

No Minimum Loan Amount

Whether you're financing a $100k property or a $300k turnkey, the same simple terms apply.

Tax-Deferred Returns

All rental income and property appreciation grow tax-free inside your IRA. Monthly distributions shelter tax until withdrawal.

Our custodian partner

Equity Trust Company

Equity Trust handles all IRA compliance, annual filings, and account administration. You focus on identifying properties and building wealth.

50+

Years of experience

$81B

In alternative assets under management

IRS

Compliant structure and documentation

Alternative financing

Non-recourse financing built for retirement accounts

Key terms

Down Payment

40%

Interest Rate

9.9%

Amortization

12 years

Management Fee

8% annually

Zero Personal Liability

Non-recourse means the lender can only claim the property itself if there's a default. Your personal assets are protected.

No Underwriting Delays

Quick approval process with no employment or credit verification. Simplicity built in for retirement investors.

Flexible Loan Amounts

No minimum. Whether financing an $80k property or $350k turnkey, the same streamlined terms apply.

Common questions

Retirement account investing, explained

How do I set up a self-directed IRA?
Work with Equity Trust Company (our recommended custodian). They'll establish the account and guide you through rollover options from existing 401(k)s or traditional IRAs.
What IRA types qualify?
Traditional IRA, Roth IRA, SEP IRA, Solo 401(k): all qualify for self-directed real estate investing. We provide compliance guidance for your specific situation.
Can I borrow money inside my IRA?
Yes. Our non-recourse alternative financing program is designed specifically for self-directed and Roth IRAs. 40% down, 9.9%, 12-year term, 8% management fee.
What's the 8% management fee?
Non-recourse loans include an 8% annual management fee to cover specialized servicing, insurance, and risk management. Rate is competitive for this loan type.
Do I pay income tax on my rent?
No. Rental income earned inside a self-directed IRA grows tax-deferred. You'll pay taxes only when you withdraw funds in retirement.
Can my IRA own an LLC?
Yes. For properties held in LLCs, the LLC is owned by the IRA. We work with attorney partners to structure ownership correctly and ensure IRS compliance.

Want details on all financing programs?

Compare conventional and alternative options side by side on our financing page.

View all financing options