There may be several ways to fund a real estate purchase when your self-directed IRA does not have sufficient cash. Depending on your circumstances, options may include:

• Making allowable contributions to the IRA
• Purchasing the property with another person or entity
• Obtaining non-recourse financing from a private lender or financial institution
• Using seller financing
• Selling other assets held within the IRA to raise cash
• Transferring funds from other IRAs
• Rolling over eligible funds from a former employer’s qualified retirement plan, such as a 401(k), 403(b), or 457(b)
• Completing an eligible in-service rollover from a current employer plan, when permitted by the plan

All funding methods must comply with applicable IRA rules, contribution and rollover requirements, and prohibited transaction rules.

‍