Unlock the Power of Your Retirement Savings with Commercial Real Estate

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Imagine owning a piece of prime commercial real estate and watching your retirement savings grow tax-deferred or even tax-free. Sounds too good to be true? It’s not—and I’m here to show you how. As a commercial real estate broker with years of experience and someone who owns real estate through my own self-directed IRA, I’ve seen firsthand how this powerful investment strategy can transform retirement portfolios. Let me walk you through the process and explain how I can help you do the same.

What is a Self-Directed IRA?

A self-directed IRA (SDIRA) is a retirement account that gives you the freedom to invest in a wide range of assets beyond the usual stocks, bonds, and mutual funds. With an SDIRA, you can invest in alternative assets like commercial real estate, private equity, or even precious metals. This flexibility allows you to diversify your retirement portfolio and potentially generate higher returns—especially if you’re looking to tap into the income-generating potential of commercial properties.

Unlike traditional IRAs managed by banks or brokerages, SDIRAs are overseen by specialized custodians who permit these alternative investments. You’re in control, but you’ll need to follow specific IRS rules to maintain the tax-advantaged status of your account.

How to Use a Self-Directed IRA to Buy Commercial Real Estate

Here’s how it works: your SDIRA can directly own commercial real estate. The property is purchased and held within your retirement account, and all income (like rent) and expenses (like repairs) must flow through the IRA. Here’s the process in simple steps:

• Set Up Your SDIRA: Open an account with a custodian who specializes in self-directed IRAs. I can recommend trusted custodians I’ve worked with personally.

• Fund Your Account: Contribute up to $7,000 annually (or $8,000 if you’re over 50, based on 2025 limits) or roll over funds from an existing retirement account.

• Find a Property: I’ll help you identify commercial properties that match your goals and comply with SDIRA rules.

• Make the Purchase: The IRA buys the property, with the title held in its name (e.g., “Custodian FBO Your Name IRA”). All funds must come from the IRA, and I’ll ensure the deal is structured properly.

• Manage the Investment: You can’t manage the property yourself or use it personally, but I can connect you with reliable property managers to handle the day-to-day.

For example, imagine you have $100,000 in your SDIRA and find a $200,000 commercial property. You could use your IRA funds for a down payment and secure a non-recourse loan for the rest—all within your retirement account. I’ll guide you through these options and any tax considerations, like Unrelated Business Income Tax (UBIT), to keep your investment on track.

Advantages and Risks of This Investment Strategy

Advantages:

• Tax Benefits: With a traditional SDIRA, growth is tax-deferred; with a Roth SDIRA, it’s tax-free.

• Higher Returns: Commercial real estate can offer steady rental income and long-term appreciation, outpacing traditional investments.

• Diversification: Adding real estate reduces your dependence on stock market ups and downs.

Risks:

• Illiquidity: Real estate takes time to sell, so it’s a long-term commitment.

• Compliance Challenges: IRS rules prohibit personal use or self-dealing, and mistakes can disqualify your IRA.

• Due Diligence: Success depends on picking the right property and managing it well.

I’ll help you weigh these factors, minimize risks, and maximize rewards with expert guidance tailored to your goals.

How I Can Guide You Through the Process

As a commercial real estate broker, I bring a unique blend of expertise and hands-on experience to the table. Here’s how I can support you:

• Finding the Right Property: I’ll use my market knowledge to source commercial properties that fit your investment strategy and SDIRA requirements.

• Ensuring Compliance: I’ll coordinate with your custodian to structure transactions correctly, avoiding pitfalls like prohibited transactions.

• Financing Solutions: Need a loan? I’ll connect you with lenders offering non-recourse financing for SDIRA purchases.

• End-to-End Support: From due diligence to tenant management, I’ll be your partner every step of the way.

My goal is to make this process seamless and stress-free, leveraging my skills to help you build wealth for retirement.

My Personal Journey with Self-Directed IRA Investments

I’m not just a broker—I’m an investor like you. Years ago, I used my own SDIRA to buy a small office building, diversifying my retirement savings with a tangible asset. It wasn’t all smooth sailing. Early on, I nearly jeopardized my IRA’s tax status by almost paying for a repair with personal funds—a rookie mistake I quickly corrected. That experience taught me the importance of strict compliance and working with the right professionals.

Today, my SDIRA properties generate consistent income and steady growth, and I’ve learned valuable lessons I’m eager to share. Whether it’s navigating IRS rules or finding tenants, I’ve been there—and I can help you avoid the missteps I encountered.

Take the Next Step Today

Ready to supercharge your retirement with commercial real estate? I’m here to help you unlock the potential of your self-directed IRA. Whether you’re starting from scratch or already have an SDIRA, I’ll provide the expertise and personalized guidance you need to succeed.

Contact me today at [email protected] for a consultation. Let’s explore how you can build wealth through commercial real estate—together.

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 Need a roadmap? Reply in the comments section or send us an email for assistance.  360 Perspective Partners offers Professional Licensed Business, Commercial and Investment Brokerage Services along with providing Professional Licensed Community Management Services in Central Florida: https://my360perspective.com/

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