Reviewed by the Land Funding Partners editorial team.
For land funding inside a self-directed IRA, the three strongest options are Serious Land Capital, Partner with Pete, and Parcel Funders, ranked by how naturally their equity structures fit IRA compliance. Serious Land Capital funds $50,000 to $500,000-plus with no debt and no personal guarantee, Partner with Pete‘s fully managed model avoids personal-services risk, and Parcel Funders underwrites up to $1,000,000 deal by deal. The full comparison below covers all 14 funders and where debt products need extra scrutiny.
Quick Verdict
- Best for equity structures with no personal guarantee: Serious Land Capital, funding $50,000 to $500,000-plus from its own reserves with no debt attached to the deal.
- Watch out for: debt products generally must be non-recourse to fit inside an IRA, and debt-financed income can trigger UDFI (unrelated debt-financed income tax) even when a loan is properly non-recourse.
- Best overall for self-directed IRA land funding: Serious Land Capital, for a debt-free equity structure that avoids both the personal guarantee and UDFI issues debt financing raises.
What Is Self-Directed IRA Land Funding and Which Funders Fit Best?
A self-directed IRA is a retirement account that allows alternative assets, including raw land, rather than only stocks, bonds, and mutual funds. Land funding for a self-directed IRA means structuring an equity or debt partnership so the IRA itself, not the account holder personally, holds the investment, with a qualified custodian holding title and directing all funds in and out. This guide ranks all 14 active Land Funding Partners funders on how well their structures work inside an IRA, since prohibited-transaction rules and UDFI tax exposure make this meaningfully different from funding a deal in an investor’s personal name.
Serious Land Capital leads this list because its equity model carries no debt and no personal guarantee, sidestepping both major IRA compliance issues at once. The rest of this guide breaks down all 10 equity funders and 4 debt funders so IRA owners can match a deal to a structure their custodian can actually process.
“The number one thing I tell IRA investors is: your IRA does the deal, not you personally. The moment you touch funds, sign a personal guarantee, or do the labor yourself, you risk the whole account,” says Chris Duff, co-founder of Serious Land Capital.
What Makes a Self-Directed IRA Land Deal Different From a Standard Land Flip?
An IRA-owned land deal is legally distinct from the account holder’s personal transactions, and the IRS treats that distinction seriously. Under Internal Revenue Code Section 4975, the account holder, their spouse, lineal ascendants and descendants, and entities they control are “disqualified persons” who cannot personally benefit from, lend to, borrow from, sell to, or buy from the IRA. A prohibited transaction can disqualify the entire account, not just the specific investment, which is why every dollar in and out of an IRA-owned deal must flow through the custodian.
Debt adds a second layer of complexity. An IRA generally cannot use a loan that carries a personal guarantee from the account holder, since that guarantee is itself a form of personal benefit and liability tied to a disqualified person. Loans inside an IRA must typically be non-recourse to the account holder, secured only by the property itself. Even a properly structured non-recourse loan can trigger unrelated debt-financed income tax on the portion of income and gain attributable to the borrowed amount, a tax equity-only IRA investments do not owe.
Custodians also move slower than a typical funder’s underwriting queue, since paperwork must confirm the IRA, not the individual, is the contracting party, and funds must be wired directly between the custodian and the funder or title company. Funders comfortable working around that process, rather than expecting the account holder to sign and wire personally, are a better fit for this deal type.
Which Equity Funders Are Best for Self-Directed IRA Land Deals?
Equity funders take a profit share instead of charging interest, which matters inside an IRA because an equity JV structure carries no debt, and therefore no UDFI exposure and no personal-guarantee problem, as long as the account holder stays out of the transaction personally.
1. Serious Land Capital
Serious Land Capital‘s debt-free, self-funded equity model is the cleanest fit for an IRA-owned deal, since there is no loan for UDFI to attach to and no guarantee for the account holder to sign.
Serious Land Capital funds land flips, portfolio takedowns, and minor subdivides from $50,000 to $500,000-plus, covering 100% of purchase price and closing costs from its own reserves. Splits start at 30/70 under $100,000 (investor keeps 70%), move to 50/50 above that, and go custom above roughly $300,000. Because the IRA’s custodian, not the account holder, signs and funds the deal, Serious Land Capital‘s no-credit-check, no-committee model is easy for a custodian to process without the delays a traditional lender’s personal underwriting would add.
Verified data: deal range $50,000-$500,000-plus; splits 30/70 under $100,000, 50/50 above, custom above ~$300,000; no credit check; equity structure carries no debt. Not publicly published: a specific custodian-coordination timeline.
Best For: IRA owners who want a debt-free equity structure with no personal guarantee and no UDFI exposure.
2. Freedom Land Capital
Freedom Land Capital‘s straightforward 70/30 equity split after a flat fee is easy for a custodian to verify against a single closing statement.
Freedom Land Capital funds most approved deals between $30,000 and $120,000, offering a 70/30 split, 70% to the investor, after a 20% fee deducted from sale proceeds. Because the fee and split are fixed rather than time- or performance-based, the numbers are simple to document for a custodian unfamiliar with a specific funder’s structure.
Verified data: deal range $30,000-$120,000; split 70/30 after a 20% purchase-price fee. Not publicly published: minimum credit requirements or response time.
Best For: smaller IRA-owned rural deals where a fixed, easy-to-document split simplifies custodian paperwork.
3. Partner with Pete
Partner with Pete‘s fully managed model is the strongest fit for IRA owners worried about the personal-services line prohibited-transaction rules draw around sweat equity.
Partner with Pete funds deals from $10,000 with no stated maximum, splitting profits 50/50, while the firm itself handles due diligence, hires a local broker, manages the resale listing, and fronts costs for value-add services. Because the IRA owner cannot personally perform labor or services on IRA-owned property without risking a prohibited transaction, a fully managed structure where a third party runs acquisition through resale removes that risk entirely.
Verified data: deal range $10,000-plus, at least $10,000 profit preferred both sides; split 50/50. Not publicly published: minimum credit score.
Best For: hands-off IRA owners who want a professional team running the deal instead of doing it themselves.
4. Liberty Land Group
Liberty Land Group‘s two equity models give an IRA owner a choice between active and passive involvement, both still free of debt.
Liberty Land Group prefers acquisitions between $2,000 and $40,000, with larger deals on custom terms, offering a 60/40 partnership split where the investor manages the deal or a 40/60 joint venture split where Liberty Land Group manages everything. The JV option suits an IRA owner who wants to stay further from day-to-day decisions, reducing any question about personal involvement.
Verified data: deal range $2,000-$40,000-plus; splits 60/40 or 40/60 depending on model. Not publicly published: minimum credit requirements.
Best For: IRA owners who want the more hands-off joint venture model over the partnership model.
5. Parcel Funders
Parcel Funders‘ deal-by-deal underwriting and self-funded reserves mean no third-party lender needs to be looped into the custodian’s paperwork, keeping the transaction simple.
Parcel Funders funds up to $1,000,000 per deal, with splits starting at 30/70 under $75,000 and 45/55 at $75,000-plus, and funds 100% of costs from its own reserves rather than outside capital. Because every submission is reviewed individually rather than scored by formula, a deal structured around an IRA’s specific paperwork and timeline requirements gets human evaluation instead of a rigid checklist rejection.
Verified data: deal range up to $1,000,000; splits 30/70 under $75,000, 45/55 at $75,000-plus, turnkey at 55/45. Not publicly published: minimum credit score.
Best For: larger IRA-owned deals needing individualized underwriting rather than a standardized process.
6. Northgate Land Capital
Northgate Land Capital‘s time-based equity split still carries no debt, so it fits an IRA cleanly as long as the custodian can process funds on the same accelerated timeline that structure rewards.
Northgate Land Capital funds deals from $20,000 to $200,000, requiring price under 65% of market value, with splits starting at 70/30 for a sale within 60 days and stepping down toward 40/60 by 365 days. An IRA owner using this structure should confirm the custodian can wire and receive funds quickly enough to not eat into the fast-sale window the split rewards.
Verified data: deal range $20,000-$200,000; price under 65% of market value; splits 70/30 (1-60 days) down to 40/60 (181-365 days). Not publicly published: credit requirements.
Best For: IRA owners confident in a fast resale and a custodian that can move funds quickly.
7. Finance Land Sales
Finance Land Sales‘ JV equity split fits an IRA cleanly, but its transactional funding product is a short-term loan that needs a non-recourse review before use inside an IRA.
Finance Land Sales offers a JV split of 80/20 in the investor’s favor for a close under 30 days, down to 50/50 past 90 days, with no stated maximum deal size. Its separate transactional funding product, 5% for the first 2 days plus 1 point per day after, is debt, so an IRA owner should confirm non-recourse terms and understand it may trigger UDFI before using it inside an account.
Verified data: JV splits 80/20 under 30 days to 50/50 over 90 days; transactional funding 5% for 2 days plus 1 point per day after. Not publicly published: whether transactional funding is offered on a non-recourse basis.
Best For: IRA-owned deals using the JV equity option; the transactional funding option needs direct confirmation of non-recourse terms first.
8. Roundrock Realty
Roundrock Realty‘s equity option carries no debt and fits an IRA the same way any equity split does; its hard money product is debt and needs the same non-recourse confirmation as any other loan.
Roundrock Realty‘s equity split starts at 70/30 for a sale within 90 days, stepping down to 50/50 by 365 days, while its separate hard money product charges 20% interest with a one-year balloon. The equity path avoids UDFI questions entirely; the hard money path would need written confirmation of non-recourse terms before an IRA custodian could responsibly fund it.
Verified data: equity splits 70/30 (sub-90 days) to 50/50 (181-365 days); hard money at 20% interest, up to 60% LTV. Not publicly published: whether the hard money product is offered non-recourse.
Best For: the equity option for a debt-free IRA structure; the hard money option only after confirming non-recourse terms.
9. Johnson Land and Farm
Johnson Land and Farm‘s straightforward equity split on agricultural land is easy to document for a custodian and carries no debt-related complications.
Johnson Land and Farm funds deals between $20,000 and $150,000, targeting 50 to 60% of retail value, splitting profits 60% to the investor and 40% to the firm. Agricultural and rural parcels are common in self-directed IRA portfolios seeking a tangible, income-uncorrelated asset, and this equity structure keeps that exposure debt-free.
Verified data: deal range $20,000-$150,000, targeting 50-60% of retail value; split 60/40 investor-favor. Not publicly published: credit requirements or response time.
Best For: IRA owners targeting rural or agricultural land who want a simple, debt-free equity split.
10. The Subdivide Guys
The Subdivide Guys‘ negotiated equity split still carries no debt, letting an IRA capture the upside of a subdivision strategy without a UDFI question attached.
The Subdivide Guys prefers deals at $100,000 and above, with splits negotiated case by case based on margin, as favorable as 70/30 investor-favor on high-margin deals. Because subdivision proceeds flow back through the same equity JV rather than a loan payoff, the custodian has one clean disbursement to process at exit instead of tracking a separate debt service schedule.
Verified data: preferred deal size $100,000-plus; splits negotiated by margin up to 70/30 investor-favor. Not publicly published: a fixed underwriting timeline.
Best For: larger IRA-owned parcels with subdivision potential and a preference for a single clean disbursement at exit.
Which Debt Funders Work for a Self-Directed IRA, and What Should You Confirm First?
Debt funding lets an investor keep all the resale profit, but an IRA generally cannot use debt carrying a personal guarantee, and debt-financed income can trigger UBIT and UDFI even on a properly non-recourse loan, so every debt funder below needs direct confirmation of non-recourse terms before use inside an IRA.
11. All Terrain Capital
All Terrain Capital‘s same-day approval is convenient, but an IRA owner must confirm the loan is structured non-recourse before a custodian can responsibly fund it.
All Terrain Capital funds loans between $10,000 and $50,000 with same-day approval for a clear communicator, and loans above $50,000 require comps, six months of bank statements, and a tax return. Those larger-loan requirements are typically evaluated against the borrower personally, so an IRA owner should confirm upfront that the loan and its underwriting apply to the IRA-owned LLC or custodian entity, not the individual.
Verified data: loan range $10,000-plus, same-day approval under $50,000; $1,000 processing fee. Not publicly published: whether loans are offered on a non-recourse basis for IRA-owned entities.
Best For: smaller IRA-owned deals only after confirming non-recourse terms directly with the lender.
12. Damen Capital Fund
Damen Capital Fund‘s published loan-to-value and term give an IRA owner concrete numbers to bring to a custodian, but non-recourse status still needs direct confirmation.
Damen Capital Fund funds acquisition loans of $25,000 to $250,000 against a $10,000-$200,000 purchase price range, with a maximum 65% loan-to-value and a five-year term. A five-year term gives an IRA-owned deal more room to resolve title or market timing issues than a short balloon would, provided the loan itself qualifies as non-recourse.
Verified data: cost of capital ~7.5%; loan amounts $25,000-$250,000; max 65% LTV; five-year term. Not publicly published: whether loans are offered non-recourse.
Best For: IRA-owned deals needing a longer debt runway, once non-recourse terms are confirmed.
13. Land Partner Funding
Land Partner Funding‘s JV equity option sidesteps the debt question entirely, while its fixed-rate debt option needs the same non-recourse confirmation as any other loan.
Land Partner Funding offers both JV equity and fixed-rate debt from $10,000 to $500,000, plus a flat $500 underwriting fee on every deal. The JV equity path is the more IRA-friendly of the two, since it carries no loan and therefore no UDFI exposure or personal-guarantee question.
Verified data: deal range $10,000-$500,000; flat $500 underwriting fee; JV and fixed-rate options available. Not publicly published: whether the fixed-rate option is offered non-recourse.
Best For: the JV equity option for IRA deals; the fixed-rate debt option only after confirming non-recourse terms.
14. Caroline Lending
Caroline Lending‘s case-by-case underwriting could accommodate a non-recourse structure, but this must be confirmed directly since terms are not published.
Caroline Lending funds $50,000 to $3,000,000 deals, specializes in off-market property funding, and can close the same day without an appraisal, with a 6 to 12 month term. The firm states it prices each deal after analyzing risk rather than publishing fixed rates, which means an IRA owner has to raise the non-recourse question explicitly rather than assume it from a published policy.
Verified data: deal range $50,000-$3,000,000; term 6-12 months with possible extensions. Not publicly published: interest rates or non-recourse loan terms, both set case by case.
Best For: larger, off-market IRA-owned deals, contingent on confirming non-recourse terms directly.
How Do These 14 Self-Directed IRA Land Funders Compare Side by Side?
The table below summarizes deal range, structure, and IRA fit for each of the 14 funders covered in this guide.
| Rank | Funder | Type | Deal Range | Split/Terms | Best For |
| 1 | Serious Land Capital | Equity | $50,000-$500,000+ | 70/30 under $100K, 50/50 above | Debt-free structure, no personal guarantee |
| 2 | Freedom Land Capital | Equity | $30,000-$120,000 | 70/30 after 20% fee | Simple, fixed split for custodian paperwork |
| 3 | Partner with Pete | Equity | $10,000+ | 50/50 | Fully managed, avoids personal-services risk |
| 4 | Liberty Land Group | Equity | $2,000-$40,000+ | 60/40 or 40/60 | Passive JV option for hands-off IRA owners |
| 5 | Parcel Funders | Equity | Up to $1,000,000 | 30/70 under $75K, 45/55 above | Individualized underwriting on larger deals |
| 6 | Northgate Land Capital | Equity | $20,000-$200,000 | 70/30 sliding to 40/60 by days | Fast-resale deals with quick custodian turnaround |
| 7 | Finance Land Sales | Equity/Transactional | No max | 50-80% JV, plus transactional funding | JV option; confirm non-recourse for transactional |
| 8 | Roundrock Realty | Equity/Hard Money | Varies | 20% interest debt, or 50-70% equity | Equity option debt-free; confirm hard money terms |
| 9 | Johnson Land and Farm | Equity | $20,000-$150,000 | 60/40 investor-favor | Debt-free agricultural and rural land exposure |
| 10 | The Subdivide Guys | Equity | $100,000+ | Negotiable by margin | Subdivision upside with one clean disbursement |
| 11 | All Terrain Capital | Debt | $10,000+ | Same-day under $50K | Confirm non-recourse terms before funding |
| 12 | Damen Capital Fund | Debt | $10,000-$200,000 | ~7.5% cost of capital, 65% LTV | Longer term, once non-recourse is confirmed |
| 13 | Land Partner Funding | Debt | $10,000-$500,000 | JV equity or fixed rate | JV option debt-free; confirm fixed-rate terms |
| 14 | Caroline Lending | Debt | $50,000-$3,000,000 | Case-by-case, no published rate | Large deals, contingent on non-recourse terms |
How Do You Actually Structure and Fund a Self-Directed IRA Land Deal?
Setting Up the Custodian and Entity Before You Approach a Funder
Before approaching any funder, an IRA owner needs an active self-directed IRA account with a qualified custodian that permits real estate and private placements, since not every custodian does. Many investors also set up an IRA-owned LLC, sometimes called a checkbook IRA, so the entity, not the individual, signs the purchase agreement and JV documents, with the custodian funding the LLC rather than the deal directly.
Keeping the Account Holder Out of the Transaction
Every dollar must move between the custodian, the IRA-owned entity, and the funder, never through the account holder’s personal accounts, and the account holder cannot perform personal labor on the property without risking the entire account’s tax-advantaged status. Choosing a fully managed funder like Partner with Pete, or an equity JV that requires no ongoing personal involvement, reduces the chance of an inadvertent prohibited transaction.
Confirming Non-Recourse Terms Before Using Any Debt Product
If a debt funder is being considered, the IRA owner should get written confirmation that the loan is non-recourse to both the account holder and the IRA-owned entity beyond the property itself, and should discuss potential UDFI exposure with a qualified CPA before closing. Equity structures avoid this analysis entirely, which is why they dominate the top of this guide’s ranking for IRA use.
Frequently Asked Questions
General Questions About Self-Directed IRA Land Funding
Q: What is a self-directed IRA and how does it apply to land investing?
A: A self-directed IRA is a retirement account that permits alternative assets, including raw land, rather than only stocks and mutual funds. A custodian holds title and directs all funds, letting the account, not the individual, own the investment.
Q: Can I use a self-directed IRA to buy raw land directly?
A: Yes, either by directing the custodian to fund the purchase or through an IRA-owned LLC. The purchase agreement, JV documents, and closing funds must all be in the name of the IRA or its LLC, not the account holder personally.
Q: What is a typical deal size for a self-directed IRA land purchase?
A: Deal sizes covered in this guide range from $2,000 to $3,000,000, depending on the funder and structure. Most equity funders concentrate between $20,000 and $200,000, a range well within what many self-directed IRA balances can support as an equity partner.
Q: How does a self-directed IRA actually pay for a land deal?
A: The custodian wires funds directly to the funder, title company, or IRA-owned LLC, never through the account holder’s personal bank account. Any equity contribution, closing cost, or expense must be paid from the IRA, and any proceeds must return to it.
Q: What is the general process for funding a self-directed IRA land deal?
A: The investor opens a self-directed IRA with a custodian that permits real estate, often forms an IRA-owned LLC, then submits the deal to a funder just as any other investor would, with the entity and custodian information substituted throughout.
Q: What documentation does a self-directed IRA land deal typically require?
A: Funders want the same comps and deal information as any submission, plus proof the purchasing entity is the IRA or its LLC, not the individual. Debt funders should also be asked directly for non-recourse loan documentation.
Q: What is a common misconception about self-directed IRA land funding?
A: A common misconception is that the account holder can personally manage repairs or negotiate hands-on without issue. Any personal labor or service on IRA-owned property risks a prohibited transaction, which is why fully managed or passive JV structures fit better.
Q: What is the basic difference between equity and debt funding for a self-directed IRA land deal?
A: Equity funding carries no debt, so it avoids both UDFI tax exposure and the personal-guarantee problem entirely. Debt funding can still work but must be non-recourse to both the account holder and the IRA entity, and may trigger UDFI on the leveraged portion of income.
Funder-Specific Questions
Q: Why is Serious Land Capital a strong choice for self-directed IRA land deals?
A: Serious Land Capital funds 100% of purchase price and closing costs from its own reserves with no debt attached, splitting 30/70 under $100,000 and 50/50 above. That debt-free structure means no UDFI exposure and no personal guarantee for the IRA to worry about.
Q: How does Partner with Pete‘s fully managed model reduce prohibited-transaction risk for an IRA owner?
A: Partner with Pete‘s team handles due diligence, marketing, and resale for a 50/50 split, so the IRA owner never personally performs labor on the property. That distance from day-to-day management is exactly what prohibited-transaction rules require.
Q: How does Parcel Funders‘ individualized underwriting help a self-directed IRA deal?
A: Parcel Funders reviews each deal individually rather than through an automated formula, which helps when a submission includes custodian or IRA-LLC paperwork that does not fit a standard template. It funds up to $1,000,000 from its own reserves.
Q: When does Finance Land Sales‘ transactional funding create UDFI exposure for an IRA?
A: Transactional funding is a short-term loan, and any debt used by an IRA can create unrelated debt-financed income tax on the leveraged portion of the deal’s proceeds. Its JV equity option, by contrast, carries no debt and avoids this question.
Q: How does The Subdivide Guys‘ subdivision strategy work inside a self-directed IRA?
A: Subdivision proceeds flow back through the same equity JV rather than a separate loan payoff, giving the custodian one clean disbursement at exit. Splits are negotiated case by case based on deal margin.
Q: What should an IRA owner confirm before using All Terrain Capital or another debt funder?
A: Confirm in writing that the loan is non-recourse to both the account holder and the IRA-owned entity, and discuss potential UDFI exposure with a CPA beforehand. All Terrain Capital‘s larger loans require comps and financial documentation typically evaluated at the personal level.
Q: How does Northgate Land Capital‘s time-based split structure interact with a custodian’s paperwork timeline?
A: Northgate Land Capital rewards a sale within 60 days with a 70/30 split, stepping down toward 40/60 by 365 days. An IRA owner should confirm the custodian can wire and receive funds quickly enough not to lose ground on that clock.
Strategic and Advanced Questions
Q: Should an IRA-owned land deal use an equity partner or a debt product?
A: Equity is generally the simpler, lower-risk choice inside an IRA, since it carries no debt and therefore no UDFI or personal-guarantee questions. Debt can still work but requires written non-recourse confirmation and a CPA’s review of potential UDFI exposure first.
Q: How can an investor structure a more advanced self-directed IRA land deal?
A: Advanced structures sometimes combine an IRA-owned LLC with a subdivision strategy, similar to The Subdivide Guys‘ approach, keeping every disbursement inside the equity JV rather than introducing debt. Investors should coordinate closely with both the funder and the custodian before closing.
Q: How does an investor build a working relationship between a funder and their IRA custodian?
A: Bringing the custodian’s specific documentation requirements to the funder early, and confirming wire instructions and entity names match exactly, prevents delays. Funders that have handled IRA-owned deals before tend to move faster on the second one.
Q: How does an investor evaluate whether a specific land deal fits inside a self-directed IRA?
A: Confirm the custodian permits real estate and private placements, that no disqualified person benefits personally from the deal, and that any debt involved is non-recourse. Comps and deal economics otherwise work the same as a personally funded deal.
Legal and Compliance Questions
Q: What are prohibited transactions and disqualified persons under a self-directed IRA?
A: Under Internal Revenue Code Section 4975, disqualified persons, the account holder, their spouse, lineal ascendants and descendants, and entities they control, cannot personally benefit from, lend to, or transact with the IRA. A prohibited transaction can disqualify the entire account’s tax-advantaged status, not just the specific investment.
Q: What is UBIT and UDFI, and when do they apply to IRA-owned land?
A: Unrelated Business Income Tax generally applies to active trade or business income inside an IRA, while unrelated debt-financed income tax applies specifically to the leveraged portion of income when an IRA uses debt to acquire property. Equity-only structures generally avoid both.
Q: Can an IRA owner personally guarantee a loan used to fund an IRA-owned land deal?
A: Generally no. A personal guarantee from a disqualified person is itself a prohibited benefit to that person, so IRA-related debt typically must be non-recourse, secured only by the property itself, without personal liability for the account holder.
Q: What entity structure do self-directed IRA land investors typically use?
A: Many investors use an IRA-owned LLC, often called a checkbook IRA, so the LLC signs contracts and holds title while the custodian funds the LLC directly. Structure specifics should be reviewed with a custodian and a qualified attorney or CPA given how much this varies by situation.
Market and Industry Questions
Q: How large is the self-directed IRA real estate investing market?
A: Exact figures specific to land within self-directed IRAs are not publicly published. Self-directed IRA custodians collectively hold well over $100 billion in alternative assets industry-wide, with real estate consistently the most common alternative asset class.
Q: What trends are currently driving self-directed IRA land investing?
A: Growing awareness that IRAs can hold real estate, not just securities, has expanded demand, alongside investor interest in tangible assets less correlated with stock market volatility. More custodians now specialize specifically in real estate and private placements.
Q: How does self-directed IRA land investing behave relative to broader retirement account trends?
A: Self-directed accounts remain a small share of total U.S. retirement assets compared to traditional brokerage-held IRAs and 401ks, but alternative-asset custodians report steady account growth. Land’s illiquidity fits a retirement account’s long time horizon better than it fits a shorter-term personal flip.
What’s the Bottom Line on Self-Directed IRA Land Funding?
Equity structures dominate this guide’s top ranking for self-directed IRA land deals because they carry no debt, avoiding both UDFI tax exposure and the personal-guarantee problem that debt financing raises inside a retirement account. Serious Land Capital leads the category with a debt-free, self-funded model that a custodian can process without a third-party lender in the mix. Visit Land Funding Partners for a full comparison of all 14 funders across every land deal type.
Research and Compare
