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Updated over 6 years ago on . Most recent reply presented by

Stephen Menke's profile image
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Stephen Menke
  • Accountant
  • from Jacksonville, FL
  • Member since Jul 2, 2015
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Stephen Menke's profile image
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Stephen Menke
  • Accountant
  • from Jacksonville, FL
  • Member since Jul 2, 2015
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Stephen Menke
  • Accountant
  • Jacksonville, FL
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Tax, SDIRAs & Cost Segregation

How to refinance into an IRA

Stephen Menke
  • Accountant
  • Jacksonville, FL
Posted
I have an owner occupied townhome in my name that has about 40% equity in it. I am planning on moving out and adding it to my rental portfolio. However, I need that cash I have in the house. One solution that comes to mind is to refinance into an IRA. Is it possible to do this? TL:DR I need to pull out a significant portion of the equity I have in a property. Can I refinance it with IRA funds, thus pulling my unregulated cash out of the property?
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Brian Eastman
  • Self Directed IRA & 401k Advisor
  • from Wenatchee, WA
  • Member since Jul 15, 2014
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Brian Eastman
  • Self Directed IRA & 401k Advisor
  • from Wenatchee, WA
  • Member since Jul 15, 2014
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  • Self Directed IRA & 401k Advisor
  • Wenatchee, WA
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Brian Eastman
  • Self Directed IRA & 401k Advisor
  • Wenatchee, WA
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@Stephen Menke

You absolutely may not do this.

IRS rules for IRA plans prohibit any kind of self-dealing. Your personally owned property is poison to the IRA.

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