714.838.1474 | info@HanoverMC.com

The rules governing IRA investments types are exclusive – not inclusive. Therefore, you can invest your IRA funds in a virtually unlimited set of investments, except for those specifically excluded by law.  The only assets excluded by the IRS are life insurance contracts, collectibles, and capital stock in an “S” Corporation.

Allowable investments for self-directed IRAs include the following:

  • Residential real estate—including apartments, single family homes, and duplexes
  • Commercial real estate
  • Undeveloped or raw land
  • Real estate notes (mortgages and deeds of trusts)
  • Promissory notes
  • Private limited partnerships, limited liability companies, and C corporations
  • Tax lien certificates
  • Foreign currencies
  • Oil and gas investments
  • Publicly traded stocks, bonds, mutual funds
  • Private stock offerings, private placements
  • Judgments/structured settlements
  • Gold bullion
  • Car paper
  • Factoring investments
  • Accounts receivable
  • Equipment leasing

You can verify that it’s legal to invest your retirement funds in trust deeds by going to www.IRS.gov and searching for Publication 590.  Pages 43-47 define what cannot be held in an IRA.

Often, self-directed IRA custodians communicate to the self-directed IRA holders that they should consider their self-directed IRA separately from themselves as individuals. It is important to understand that for purposes of the IRS code you and your self-directed IRA are separate entities whose interests are not related. Understanding this nuance will reduce the number of potential issues that may arise when you make investments using your self-directed IRA.

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Hanover Mortgage Company is licensed in California only.
Real Estate Broker – CA
Bureau of Real Estate – Broker  License #01410448
NMLS I.D. number: 337458.
INTEREST RATES CAN CHANGE WITHOUT NOTICE. ASK US FOR CURRENT RATE INFORMATION. BORROWERS AND PROPERTIES MUST QUALIFY. CONDITIONS AND RESTRICTIONS MAY APPLY. Loan programs, amounts, rates and terms are subject to change without notice. Loan approval is not guaranteed and all loan applications are subject to verification of acceptable credit, income, employment, lien position and value of collateral in the sole discretion of Hanover Mortgage Company. Flood and/or property hazard insurance may be required. Additional fees, conditions, restrictions and limitations may apply. Not all programs are available in all areas. The interest rate for adjustable rate mortgage loans is subject to increase. Please contact Hanover Mortgage Company to determine your eligibility for a specific loan product. Hanover Mortgage is a Mortgage Broker. Mortgage Broker fees will apply unless stated otherwise. California Bureau of Real Estate, real estate broker license #01410448. NMLS I.D. number: 337458. Disclosure: Money invested through a mortgage broker is not guaranteed to earn any interest or return and is not insured. State law dictates that we acknowledge that interest on trust deeds is not guaranteed. No investment is completely risk free and past performance is not a guarantee of future results. Before investing, investors must be provided applicable disclosure documents. “Hanover Mortgage does not offer financing for those transactions defined as ‘Covered Loans’ or ‘High Cost Loans’ in any state or federal law.” All Rights Reserved.