Purchase property with Solo 401k and Personal Funds

Actually yes you can mix personal money with Solo 401k when purchasing real estate. This is commonly referred to asTenancy-in-Common-Ownership. The key is to to reflect the transaction as tenancy-in-common and not to bring any debt (including non-recourse loan) to the transaction. In other words, each respective person’s percentage of ownership has to be reflected in the real estate purchase documents including the Warranty Deed and neither the Solo 401k nor you can obtain a loan to purchase the property.

Reason being, bringing debt to the table would benefit you through your Solo 401k and thus would be considered a prohibited transaction. Therefore, the real estate purchase has to be made outright with no loaned funds when you co-invest with yourSolo 401k.

What’s more, all expenses and income and or sale proceeds have to flow back according to each parties (you and Solo 401k) purchases percentage of ownership in property.

The property being purchased cannot have been previously owned by you or the Solo 401k or a disqualified party, such as your spouse, your parents, your children, your Solo 401k Provider, etc. Visit following page from our website for full list of qualified vs disqualified parties.


Please visit following blog to learn more about purchasing real estate through tenancy-in-common ownership purchase:


About Mark Nolan

Each day I speak with energetic entrepreneurs looking to take the plunge into a new venture and small business owners eager to take control of their retirement savings. I am passionate about helping others find their financial independence. Having worked for over 20 years with some of the top retirement account custodian and insurance companies I have a deep and extensive knowledge of the complexities of self-directed 401ks and IRAs as well as retirement plan regulations. Learn more about Mark Nolan and My Solo 401k Financial >>


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