If your self-directed IRA does not have sufficient funds to purchase real estate, several funding options may be available, depending on your circumstances.

Options may include:

• IRA Contributions: Making additional contributions, subject to IRS eligibility requirements and annual contribution limits.
• Transfers and Rollovers: Moving eligible funds from other retirement accounts into your self-directed IRA.
• Non-Recourse Financing: Obtaining financing that does not require a personal guarantee from the IRA owner or other disqualified persons.
• Joint Ownership: Purchasing property alongside other individuals or entities, with ownership percentages established at the time of purchase.
• Liquidating Existing Assets: Selling other assets held within the IRA to make funds available for the purchase.

All funding methods must comply with applicable IRS requirements, including contribution limits, rollover rules, and prohibited transaction restrictions. Debt-financed real estate may also generate income subject to Unrelated Business Income Tax (UBIT).

Consult a qualified tax or financial professional before selecting a funding method.