Self directed IRA question

[Samantha Soto]

My husband and I both have Roth IRAs. I also have a regular IRA. So I have two questions. First, Can we combine our Roth IRAs to do a deal? Or do we need to keep the funds separate and I can use my Roth to purchase one deal and he can use his to purchase another? Second, is there a benefit to using the self-directed Roth IRA vs. the self-directed IRA?

Learning a bit more every day!  So thankful for this BP community.  

[Brian Eastman]

@Samantha Soto
While there are ways that you can joint venture your IRA with that of your husband, it ups the complexity and will limit your exit path flexibility to some degree.

The Roth vs Trad question is a tough one to answer.  Generally speaking, the better the returns, the more you want to achieve that under a Roth umbrella. This is true whether the account is invested in real estate, stocks, or whatever.