When Your Retirement Account Buys the Property

Powerful, restricted, and very easy to misuse.

Self-directed retirement accounts sound incredibly appealing.

Use retirement money.
Buy real estate.
Avoid Wall Street.

What’s not to like?

Quite a bit—if you don’t understand the trade-offs.

When your SDIRA or Solo 401(k) owns a property, you don’t own it.

That distinction matters.

You can’t treat it like “your” rental.
You can’t casually fix things yourself.
Yo…