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Home | Self-Directed IRAs | Real Estate IRAs | Non-Recourse Lending

Non-Recourse Lending

Debt Financing Overview

An account can take on a loan to purchase property
The loan must be non-recourse, meaning the only collateral securing the loan is the property being purchased with the loan
- Other assets held within the account or the account holder personally cannot be held liable in the event of a default on the repayment of the non-recourse loan
Mortgage payments of the non-recourse loan held within the account must be paid from the account
- Bill payments must be submitted to send payment for the mortgage
  - A recurring bill payment can be set up to automatically send payments for the mortgage on a scheduled basis
The following must be submitted with your debt-financed real estate purchase request:
- Real Estate Direction of Investment
- Non-Recourse Loan Documentation
  - Promissory Note (including verbiage that loan is non-recourse)
  - Deed of Trust/Mortgage
  - All loan paperwork should be signed by the account holder
- Settlement Statement or HUD showing the correct titling and funding amount along with any documents that will require Equity Trust Company’s signature

Investing in Real Estate with Your Retirement Account

FREE Self-Directed Real Estate 101 Guide

Related Pages:

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Equity Trust Company
1 Equity Way
Westlake, OH 44145

Equity Trust Company is a directed custodian and does not provide tax, legal or investment advice. Any information communicated by Equity Trust Company is for educational purposes only, and should not be construed as tax, legal or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional. Equity Institutional services institutional clients of Equity Trust Company. Brokerage Services Available Through ETC Brokerage Services, Member SIPC, and FINRA. *Founded in 1974 | Self-Directed IRA Custodian since 1983. The predecessor business to Equity Trust Company was established in 1974 and the IRS approved as a custodian in 1983. **Assets under custody as of 3/1/2020.

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