Earn 10–14% Inside Your Retirement Account with a Self-Directed IRA
Your IRA doesn't have to be trapped in the stock market. Learn how a self-directed IRA lets you fund real estate-backed loans and grow retirement savings tax-advantaged.
By MGO Home Buyers ·
Most people don't realize their retirement account can do far more than hold mutual funds. With a self-directed IRA (SDIRA), you can lend on real estate deals and earn a fixed 10–14% — all inside the tax-advantaged wrapper of your retirement account.
For investors who want their retirement money working harder and safer, this is one of the most powerful tools available.
What is a self-directed IRA?
A self-directed IRA is a retirement account that lets you invest in alternative assets — including private real estate loans — instead of being limited to publicly traded stocks and funds. You still get the same tax advantages; you simply gain control over what your retirement money does.
How lending works inside an SDIRA
The process is straightforward:
- You open a self-directed IRA with a qualified custodian (or transfer/roll over an existing IRA or old 401(k)).
- Your IRA funds a real estate-backed loan on an MGO deal.
- The recorded lien is held in the name of your IRA — your retirement account is the secured lender.
- Interest payments flow back into your IRA, growing tax-deferred or tax-free (Roth).
Your retirement capital earns a strong, secured return — without market exposure during the term.
Why investors love this
- Tax-advantaged growth — interest compounds inside the IRA
- A fixed 10–14% return instead of market guesswork
- Real, recorded collateral behind your retirement money
- Diversification away from a 100% stock-market retirement
A quick, important note
SDIRA lending has specific IRS rules (for example, you can't lend to yourself or certain family members, and the deal must be at arm's length). Your custodian and tax advisor handle the compliance — we handle the deal. We work with SDIRA lenders regularly and can point you to experienced custodians.
Put your retirement money to work — safely
If a chunk of your retirement savings is sitting in volatile funds, a self-directed IRA could let it earn a secured 10–14% instead. Schedule a private consultation and we'll walk you through exactly how SDIRA lending works on a current Florida deal.
About MGO Home Buyers
MGO Home Buyers is a Florida family-owned real estate company that partners with private lenders to fund local projects — offering fixed 10–14% annual returns secured by recorded first-position liens on real property. Articles are reviewed by the MGO team and are for educational purposes only; this is not an offer to sell securities.