Eligibility
Can I use my IRA or old 401(k) for real estate?
Short answer: often, yes — through the right self-directed account. Here are the common routes, in plain English.
Old 401(k)
From a former employer — typically eligible to roll over into a self-directed IRA.
Traditional IRA
Transfer into a self-directed Traditional IRA to hold real estate.
Roth IRA
Self-directed Roth for potential tax-advantaged growth, subject to the rules.
SEP & SIMPLE IRA
Common routes for business owners and the self-employed.
The two questions that decide it
1
Are the funds eligible to move?
Old employer plans and existing IRAs are usually transferable. Current-employer plans may have restrictions.
2
Is the account the right type?
Traditional, Roth, SEP, or SIMPLE — each has different contribution and tax treatment. We help you understand the fit.
Eligibility and tax treatment depend on your specific situation and IRS rules. This page is educational and is not tax or legal advice — consult independent advisors.
Ready to take the first step?
Check your eligibility, or talk to a person who speaks real estate and the rules.