The lender’s only collateral is the property itself.You’ll need a custodian that specializes in real estate IRAs and can wire funds, receive rent, and pay expenses directly from the account.

For lenders: what are you doing differently now in terms of collateral, terms, or borrower selection?

Lead with a simple credibility stack: be clear about your buy box and pricing logic, share a one‑page deal sheet on every trade (collateral, payor history, servicer notes, exit plan), and match your promises to your updates.

Vet hard: ask for a recent tape they sold and buyer references, verify they’re the seller or have a written mandate, avoid anyone asking for upfront broker fees before diligence, and insist on a clean chain of assignments plus collateral file access under NDA.

Comfort with creative/complex deals.Subject-to, novations, LLC-to-LLC transfers, cross-collateralization, even if you’re not doing these yet, you want a title company that can.

Then you can cross collateralize assets.4.  

That being said, capital gains are taxed at a different rate than ordinary income, but they can still only be offset through non-passive losses (which includes capital losses).A Securities Backed Line of Credit (SBLOC) allows you to take low interest loans from your brokerage using your securities as collateral.

I typically focus on three main areas: checking the borrower’s payment history, assessing the collateral’s current market value, and running the numbers to make sure the note offers a solid return after all costs.

Notes work when you keep it boring and defensible: buy paper you understand, secured by real collateral, at a discount that pays you even if you need extra time.

Substitution of Collateral.