Build Tax-Advantaged Wealth with a Self-Directed IRA (SDIRA)
Discover how you can use your retirement funds to invest in real estate—from long-term rentals to beachfront condotels.
A Self-Directed IRA (SDIRA) gives you the ability to invest in alternative assets beyond traditional stocks and bonds.
This includes:
• Real Estate
• Precious Metals
• Digital Currency
• Private Investments
You can use the following:
• Roth IRA
• Traditional IRA
• SEP-IRA
How Real Estate IRAs Work
Investing in real estate through your IRA is simpler than you might think:
1. Open and Fund Your SDIRA with a Custodian
Before investing, you’ll establish a Self-Directed IRA with a qualified custodian who will hold your funds and facilitate all transactions.
We can connect you with a trusted SDIRA custodian to get started – CLICK HERE TO CHECK OUT OUR PREFERRED CUSTODIAN
2. Purchase the Property
Your IRA purchases an investment property using cash or approved financing (such as a non-recourse loan).
3. Income Flows Back to Your IRA (Without Affecting Contribution Limits)
All rental income and profits generated by the property are returned directly to your IRA as earnings on the investment—not as new contributions.
This is an important advantage:
These earnings do NOT count toward your annual IRA contribution limits.
That means your retirement account can grow in two ways:
• Investment income (rental income & appreciation)
• Regular annual contributions (subject to IRS limits)
4. Follow IRS Rules
You cannot buy from or sell to “disqualified persons” (such as close family members), and you cannot personally use the property.
Condotel Investing with an SDIRA
Own an Income Property Inside Your Retirement Account
A condotel (condo-hotel) is a fully furnished unit within a property that operates like a hotel, allowing for short-term rentals—often on a nightly basis. These types of properties are especially popular in coastal markets like Ormond Beach, Daytona Beach, and Daytona Beach Shores, as well as in vacation destinations across Florida, the United States, and internationally.
As a member of Leading Real Estate Companies of the World, I’m connected to a global network of top-performing real estate professionals. This network includes over 550 brokerages and 135,000+ sales associates across more than 70 countries—providing my clients with access to opportunities and expertise on both a national and international level.
Why Condotels Appeal to Investors
• Short-term rental income potential
• Turnkey, fully furnished units
• Professional management options
• Lower entry price points
• Strong demand driven by tourism and events (Daytona Beach Events) every geographic area has its own unique attraction for tourists
Investment Strategies
• Airbnb / VRBO nightly rentals
• Seasonal snowbird rentals
• Event-based pricing (Bike Week, races, spring break, competitions)
Important SDIRA Rules for Real Estate
• No personal use of the property
• No transactions with disqualified persons
• All income must return to the IRA
• All expenses must be paid from the IRA
• Investments must be executed through a Qualified SDIRA Custodian
Why Consider a Real Estate IRA?
A real estate IRA allows you to take a more active role in your retirement strategy by investing in tangible assets that can generate income and long-term appreciation. Instead of relying solely on traditional market-based investments, you have the opportunity to diversify your portfolio with real estate while benefiting from potential tax advantages. This approach creates multiple avenues for growth within your retirement account—through rental income treated as earnings on your investment, potential property appreciation, and continued contributions—helping you build a more balanced and resilient financial future.
Investment Opportunities
• Short-term rentals (Airbnb / VRBO)
• Long-term rental properties
• Fix-and-hold or buy-and-rehab
• Multifamily investments
• Beachfront condotels
Work with a Local Expert with Global Connections
As a real estate professional serving Ormond Beach and the surrounding Volusia and Flagler County areas, I help investors confidently navigate real estate opportunities by:
✔ Identifying SDIRA-eligible properties
✔ Analyzing local rental demand and market trends
✔ Sourcing income-producing investments
✔ Guiding you through investment-focused purchases
As a member of Leading Real Estate Companies of the World, I’m also connected to a highly respected global network of top-performing professionals.
✔ 550+ brokerages
✔ 135,000+ agents
✔ 70+ countries
This global reach allows me to support your investment goals at every level:
• Locally throughout Volusia and Flagler Counties
• Nationally across key U.S. markets
• Internationally through trusted, vetted professionals
Whether you’re investing close to home or expanding your portfolio worldwide, you’ll have access to the right expertise, connections, and opportunities—every step of the way.
Get Started the Right Way
Before you can purchase real estate with your IRA, you’ll need to set up a Self-Directed IRA with a qualified custodian.
I work with trusted custodians who specialize in real estate investing and can help guide you through the setup process.
CLICK HERE TO CHECK OUT OUR PREFERRED CUSTODIAN
If you want to know more about how you can use your Self-Directed IRA for Real Estate Investments, click here for more information. Follow me on Facebook!
Important Disclaimer
The information provided on this page is for educational purposes only and should not be considered financial, tax, or legal advice. Self-Directed IRAs are subject to specific IRS rules and regulations, including prohibited transactions and disqualified persons. Always consult with a qualified financial advisor, tax professional, or SDIRA custodian before making investment decisions. Real estate investments carry risk, and past performance does not guarantee future results.