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Promissory Notes in a Self-Directed IRA

What is private notes in a self-directed IRA?

Yes, a self-directed IRA can invest in promissory notes. Your IRA can buy existing notes or originate new secured and unsecured promissory notes, with all payments made directly to the IRA. You set the terms and any collateral.

Why investors choose this asset?

How Promissory Notes works in your Self-Directed IRA

How do I open a self-directed IRA for Private Lending?

To open a self-directed IRA, complete the online application for your account type, fund it by transfer, rollover, or contribution, then submit a Purchase Kit directing Mountain West IRA to buy the property on behalf of your IRA.

1.
Open your self-directed IRA — complete the online application (Traditional, Roth, SEP, SIMPLE, Individual 401(k), or HSA). Prefer to sign electronically? Email accounts@mwira.com or call (866) 377-3311 and we'll send your application for e-signature.
Traditional IRA Starter Kit
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Roth IRA Starter Kit
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SEP Starter Kit
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SIMPLE IRA Starter Kit
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Precious Metals Foreign Currency Starter Kit
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Individual 401(k) Plan Starter Kit
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Health Savings Account (HSA) Starter Kit
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Traditional IRA Starter Kit
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Roth IRA Starter Kit
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SEP Starter Kit
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SIMPLE IRA Starter Kit
PDF Download
Precious Metals Foreign Currency Starter Kit
PDF Download
Individual 401(k) Plan Starter Kit
PDF Download
Health Savings Account (HSA) Starter Kit
PDF Download
2.
Fund the account — transfer from another IRA, roll over a 401(k) or employer plan, or make an annual contribution.
3.
Direct your investment — complete a Purchase Kit (Direction of Investment) and sign your documents as “Read and Approved.” An Authorized Signer at Mountain West IRA then signs on behalf of your IRA and funds the transaction.
4.
Manage & grow — all income and expenses flow through your IRA, with online access and support.

Read up, then get started

The Promissory Notes IRA Guide covers how your IRA buys or originates promissory notes, sets terms and collateral, and collects payments — plus who your IRA can't lend to. Opening an account takes about 15 minutes when you're ready.

By downloading this guide, you agree to receive occasional emails from us. You can unsubscribe at any time. Read our Terms

Rules & What to Know in your Promissory Notes IRA

Why Mountain West IRA

Trusted since 2006: In business since 2006, serving 3,400+ clients with more than $1 billion in self- directed retirement assets under administration.
Administrator model: A self-directed IRA Administrator and record-keeper — passive and client-directed. Never a Custodian or advisor.
Fast processing: Efficient turnaround with an expedited option when you need to move quickly.
Real education: A deep library of guides, videos, and webinars, plus a Transfer & Rollover guide.
Personal service: A responsive, US-based team and one-on-one consultations.

Frequently Asked Questions

Can my self-directed IRA invest in promissory notes?

Yes. Your self-directed IRA can buy existing notes or originate new secured and unsecured promissory notes, with all payments made directly to the IRA.

What is the difference between a secured and an unsecured note?

A secured note is backed by collateral, such as real estate, that the IRA can claim if the borrower defaults, while an unsecured note relies only on the borrower's promise to repay and generally carries more risk.

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Read expert articles and how-to guides on Real Estate for practical tips and insights.
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YouTube
Watch step-by-step video tutorials explaining Real Estate from start to finish.
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Facebook
Join our community for live updates, events, and Real Estate discussions.
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Discover quick, easy-to-follow Real Estate tips in short-form videos.
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See visual guides, behind-the-scenes content, and Real Estate highlights.
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Follow real-time conversations and quick takes on Real Estate trends.
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Real Estate Forms

Access all required forms for purchasing, funding, and managing real estate investments through your Mountain West IRA, including purchase kits, wire instructions, and transaction-related documents.

Click Here to Access Purchase Forms
Click Here to Access Maintenance Forms

Mountain West IRA is a self-directed IRA Administrator and record-keeper and does not provide investment, tax, or legal advice. All information is general in nature. Investors should check with their own financial advisor, tax professional, or attorney about their exact situation before making any investment.