Co-Workers Buy
$700K Rental

Self-directed IRA via broad financial or ira financial. Diversify 401K or ira into real estate. real estate ira.

In this first example, three co-workers decided to roll-over portions of their 401K's into a self-directed IRA owned by an LLC they formed called "Sonoma Smart."  The light-blue row represents the entire LLC, while the three white rows underneath delineate the share owned by each of the three partners.  Their "stocks vs. rental" gain is an extra $634K, as shown in Column N.  (Note a few columns have been left out for brevity)

Note that this group decided to split their deposits and earnings on a 50-30-20 basis.  Actually any splits are acceptable, as long as they are documented.   Given the choice of waiting to have enough cash in your retirement account to afford an investment by yourself, or acting now and buy a place with a friend or co-worker, the numbers suggest to act as soon as possible since a leveraged asset (i.e. a rental) appreciates faster.


Friends Buy $1.8M Tri-Plex

Self-directed IRA via broad financial or ira financial. Diversify 401K or ira into real estate. real estate ira.

The second example shows two friends pulling a combined million dollars out of their respective 401K's at the ratio shown in Column A and B.  Their value difference of stocks vs. rentals (Column N) is $1.5M

Splits don't have to be "even numbers."  For instance, Kathleen and Sue could have decided to split 59.5% and 40.5%.  As long as they add up to 100%. If you don’t have a friend or co-worker to partner with, BCR may be able to introduce you to someone that can!


 Bottom Line: 401K/IRA Rental = Diversification + Safety + Bigger Nest Egg + 5x Greater Retirement Income