Real Wealth Show: Real Estate Investing Podcast How to Use Retirement Accounts to Invest in Real Estate with Chris Barnette
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Oct 28, 2025 In this discussion, Chris Barnette, Business Development Manager at Inspira Financial, reveals how self-directed IRAs can be a gateway to real estate investing, breaking the misconception that retirement accounts are limited to stocks and bonds. He explains critical compliance rules, the concept of maintaining hands-off involvement, and managing property expenses. Chris also cautions about potential tax implications like UBIT, discusses the relevance of arm's-length transactions, and shares strategies on Roth conversions for maximizing tax-free growth.
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One Custodian For Public And Private Assets
- Inspira lets investors hold both public (stocks) and alternative (syndications, notes) assets under one custodian.
- That one-stop capability avoids moving funds between custodians and simplifies cash management.
Always Invest In The IRA's Name
- Transfer or rollover funds into a self-directed IRA and have the custodian invest in the syndication in the IRA's name.
- Keep all subsequent returns flowing back into the IRA to maintain tax compliance.
Let The Custodian Sign Deals
- Set up syndication subscriptions in the IRA's name and let the custodian sign official documents.
- Use the custodian's "read and approved" process so the IRA owner stays hands-off and compliant.