Most investors think retirement accounts are limited to stocks, bonds, and mutual funds.

But what if your IRA could own real estate?

In this episode of CRE Deep Dive, Dennis Bamford sits down with Michelle Thomas of CNB Custody, one of the longest-standing alternative asset custodians in the country, to discuss how self-directed IRAs can be used for real estate investing.

Michelle shares how CNB Custody helps investors navigate self-directed retirement accounts, explains common compliance mistakes, and breaks down the rules surrounding prohibited transactions, checkbook LLCs, funding strategies, and non-recourse lending.

If you're interested in using retirement funds to invest in real estate, this episode provides a practical roadmap to understanding the opportunities and the pitfalls.

• What a self-directed IRA is
• How CNB Custody works with alternative assets
• Direct real estate ownership inside an IRA
• Checkbook LLC structures explained
• Common prohibited transactions
• SEP IRA contribution opportunities
• TSP and 401(k) rollover strategies
• Partnering multiple IRAs on one property
• Non-recourse loans and UDFI considerations

[00:00] Introduction

[02:12] Michelle Thomas' Background

[04:30] The History of CNB Custody

[07:05] How CNB Custody Differs from Other Custodians

[09:00] Custody Fees Explained

[12:05] Funding a Self-Directed IRA

[15:30] SEP IRAs, TSPs & Rollovers

[18:00] Real Estate Investing Inside an IRA

[20:20] Prohibited Transactions Explained

[23:15] Checkbook LLC Structures

[25:50] Partnering Multiple IRAs

[27:00] Non-Recourse Loans & UDFI

[28:00] Final Advice for Investors

CNB Custody is a division of Community National Bank and has been providing alternative asset custody services for more than four decades. Their team specializes in helping investors hold alternative assets, including real estate, inside retirement accounts while maintaining compliance with IRS regulations.

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