mountain west ira

Real Estate in a Self-Directed IRA

What is real estate in a self-directed IRA?

Yes, you can buy real estate with a self-directed IRA. Aself-directed IRA can hold residential rentals, commercial property, raw land,and certain real estate syndications, and all rental income and gains flow backinto the account tax-advantaged. The property must be held strictly forinvestment and titled in the name of the IRA.

Why investors choose this asset?

How Real Estate 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
Roth IRA Starter Kit
SEP Starter Kit
SIMPLE IRA Starter Kit
Precious Metals Foreign Currency Starter Kit
Individual 401(k) Plan Starter Kit
Health Savings Account (HSA) Starter Kit
Traditional IRA Starter Kit
Roth IRA Starter Kit
SEP Starter Kit
SIMPLE IRA Starter Kit
Precious Metals Foreign Currency Starter Kit
Individual 401(k) Plan Starter Kit
Health Savings Account (HSA) Starter Kit
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.

Start with the guide

Take the Real Estate IRA Guide with you covering how a self-directed IRA holds rental, commercial, and raw land property, what the prohibited-transaction rules mean for you, and the paperwork each purchase requires. When you're ready to move, we're here.

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Rules & What to Know in your Real Estate 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 I buy real estate with a self-directed IRA?

Yes. A self-directed IRA can hold residential rentals, commercial property, raw land, and certain real estate syndications. All income and expenses flow through the IRA, and the property must be held strictly for investment purposes rather than personal use. Mountain West IRA administers the account and handles recordkeeping; it does not provide investment advice.

Can I live in or personally use a property my IRA owns?

No. IRS prohibited-transaction rules prevent you and other disqualified persons (such as your spouse, parents, and children) from personally using or benefiting from an IRA-owned property. The investment must be for the exclusive benefit of your retirement account.

Explore Our Education Across Every Platform

From in-depth YouTube tutorials and blog articles to bite-sized tips on TikTok, Instagram, Facebook, and Threads, we share knowledge wherever you are.

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