Using your IRA To Invest in Trust Deeds

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Investments like these are excellent for IRAs helps you use your IRA to Invest in Trust Deeds.

Ioban Financial, a leader in Real Estate and Trust Deed investment has started an new exciting trust deed program.

Working with various Self directed IRA Custodians Ioban Financial has created a streamlined system to allow investors to achieve high returns in a short time period using retirement accounts

"We now have everything in place with preferred providers, at discounted fees so our investors can now participate in our secured high return investments with tax deferred retirement accounts"- Joel Dawkins director Ioban Financial.

"Investors that are looking to get a steady cash flow of interest bearing investments such as bonds or CDs, with returns comparable to buying stocks, should seriously consider investing in trust deeds with Investments like these are excellent for IRAs since they offer steady long-term income which can help meet your investment needs whether you are currently retired or not." - Josh Murphy senior account manager Ioban Financial

When trust deeds with are purchased our clients become a real estate lender. When someone would like to borrow money to buy a property, they will turn to an investor for the loan, or in some states, a mortgage. In most cases you would then receive monthly payments of interest and principal and will pay the loan off in as little as one to five years. These payments can either be reinvested into your IRA to grow tax free or can be taken as withdrawals to meet your minimum withdrawal requirements.

Trust deeds have a number of features that make them safe. They require both buyers to put down a substantial sum, giving them motivation to make their loan payments so that they can keep the property. This large down payment ensures that if the buyer defaults, then the lender ends up owning a property with significant equity. In addition, most trust deed lenders will only make loans to highly qualified people who they are certain have the means to repay their loan. These factors make trust deed investing relatively safe with very healthy returns.

Engaging in trust deed investing using IRA funds is simple. The first step is to set up a Self-Directed IRA with a custodian that will allow you to place your IRA funds in a trust deed investment. There are several excellent companies to work with; we recommend Sunwest Trust. Some companies may require a minimum amount to be present in your IRA in order to invest in a vehicle like trust deed investments. All IRAs have different rules and regulations. These IRA accounts allow you to specify how the funds in the accounts are to be invested, as opposed to limiting you to just a few vehicles. Once retirement money is with one of these self-directed accounts, the IRA can then purchase trust deeds from and earn interest on a tax-deferred basis.

In the instance that the trust deed maker defaults and The IRA takes property back, then you will also be covered because IRA regulations allow self-directed IRAs to own real estate. If this should happen, the windfall profit that could be received from the sale of any foreclosed property would also be tax-deferred. It is for this reason that using IRA funds to purchase trust deeds works exceptionally well for both conservative investors that are looking for performing trust deeds and for aggressive investors looking to buy distressed trust deeds as a part of a “loan-to-own” strategy to acquire real estate. has over 100 years of combined experience working closely with both lenders and buyers. has assisted in completing hundreds of transactions since 2008 netting large returns for our network partners.

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