It is true you cannot use your IRA for ‘self dealing’. However, I doubt it would be noticed if I loaned you $500k at 2% from my IRA and you loaned me $500k from your IRA at 2% for our mortgages?

We buy land with clients in their IRAs (after converting to a self directed IRA) and make private 1st TD’s with their IRA/401k funds all the time and they love it.

They all get the added bonus of feeling like they are ‘sticking it to the man’ in addition to making an invesment outside of the control of the Wall St cartel.