Show Notes
Don’t forget to grab your free book! www.TheMichaelBlank.com/QRP
Most people don’t know this—but you can invest your IRA or 401(k) in real estate instead of leaving it trapped in mutual funds. In this episode, I’m joined by Damion Lupo, founder of eQRP, to explain exactly how to unlock your retirement savings and use them to invest in apartments, storage, and more. We walk through the process step-by-step, dispel common myths, and show you how to avoid one of the biggest tax traps most investors don’t even see coming: UBIT. Whether you’re a passive investor or a GP raising capital, this is a must-listen.
Key Takeaways
Why Most Investors Don’t Know About This
- Financial advisors don’t promote these options because they lose fees when you take control.
- Most investors have old 401(k)s or IRAs they’ve forgotten about—but those funds are eligible for self-direction.
- Online platforms like Schwab and Fidelity won’t show you the option to invest in real estate—you have to know to ask.
How Self-Directed Accounts Actually Work
- Self-directed IRAs and solo 401(k)s give you full control—you can invest in real estate, crypto, gold, and more.
- The right setup gives you checkbook control and removes delays caused by custodians.
- Solo 401(k)s (like EQRPs) offer faster transactions, better flexibility, and fewer limitations than traditional IRAs.
The UBIT Tax Trap—and How to Avoid It
- Using leverage in real estate deals inside a self-directed IRA can trigger UBIT—up to 40% in surprise taxes.
- Solo 401(k)s are exempt from UBIT, even in leveraged deals.
- You can convert from an IRA to a solo 401(k) before the deal sells to avoid the tax completely.
Smart Strategies for Passive and Active Investors
- Passive investors can use these accounts to invest in syndications—earning tax-free or tax-deferred returns.
- Active investors (GPs) can raise more capital by educating others on how to invest through their retirement accounts.
- Damion’s team offers tools like books, webinars, and white-glove onboarding to help GPs guide investors through the process.
Rules, Limits, and Legacy Planning
- You can’t use these accounts to buy personal assets, rehab your own property, or benefit directly from the investment.
- You can borrow up to $50K from your solo 401(k) for any reason and pay yourself back—with interest you choose.
- Setting up retirement accounts for parents or family members can create powerful tax-free legacy wealth.
- Roth solo 401(k)s allow real estate investing with leverage and no taxes on gains—making them the most powerful tool in the tax code.
Connect with Damion Lupo
GET A FREE BOOK www.TheMichaelBlank.com/QRP
Connect with Michael
Resources
Access the #1 FREE Apartment Investing Course (Apartments 101)
Schedule a Free Strategy Session with Michael's Team of Advisors
Explore Michael’s Mentoring Program
Join the Nighthawk Equity Investor Club
Review the Podcast on Apple Podcasts
Get the Book, Financial Freedom with Real Estate Investing by Michael Blank
very informative articles or reviews at this time.
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
Nice post. I learn something totally new and challenging on websites
I very delighted to find this internet site on bing, just what I was searching for as well saved to fav
There is definately a lot to find out about this subject. I like all the points you made
This was beautiful Admin. Thank you for your reflections.
Nice post. I learn something totally new and challenging on websites
This was beautiful Admin. Thank you for your reflections.
I really like reading through a post that can make men and women think. Also, thank you for allowing me to comment!
very informative articles or reviews at this time.
I’m often to blogging and i really appreciate your content. The article has actually peaks my interest. I’m going to bookmark your web site and maintain checking for brand spanking new information.
naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.
Hi there to all, for the reason that I am genuinely keen of reading this website’s post to be updated on a regular basis. It carries pleasant stuff.
This was beautiful Admin. Thank you for your reflections.
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
Pretty! This has been a really wonderful post. Many thanks for providing these details.
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
I like the efforts you have put in this, regards for all the great content.
For the reason that the admin of this site is working, no uncertainty very quickly it will be renowned, due to its quality contents.
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
I really like reading through a post that can make men and women think. Also, thank you for allowing me to comment!
Nice post. I learn something totally new and challenging on websites
Hi there to all, for the reason that I am genuinely keen of reading this website’s post to be updated on a regular basis. It carries pleasant stuff.
For the reason that the admin of this site is working, no uncertainty very quickly it will be renowned, due to its quality contents.
I am truly thankful to the owner of this web site who has shared this fantastic piece of writing at at this place.
Pretty! This has been a really wonderful post. Many thanks for providing these details.
I’m often to blogging and i really appreciate your content. The article has actually peaks my interest. I’m going to bookmark your web site and maintain checking for brand spanking new information.
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post
You’re so awesome! I don’t believe I have read a single thing like that before. So great to find someone with some original thoughts on this topic. Really.. thank you for starting this up. This website is something that is needed on the internet, someone with a little originality!
There is definately a lot to find out about this subject. I like all the points you made
For the reason that the admin of this site is working, no uncertainty very quickly it will be renowned, due to its quality contents.
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
For the reason that the admin of this site is working, no uncertainty very quickly it will be renowned, due to its quality contents.
naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.
I’m often to blogging and i really appreciate your content. The article has actually peaks my interest. I’m going to bookmark your web site and maintain checking for brand spanking new information.
I just like the helpful information you provide in your articles
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
ikinci el eşya
This is my first time pay a quick visit at here and i am really happy to read everthing at one place
I am truly thankful to the owner of this web site who has shared this fantastic piece of writing at at this place.
This was beautiful Admin. Thank you for your reflections.
I like the efforts you have put in this, regards for all the great content.
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
I like the efforts you have put in this, regards for all the great content.
I’m often to blogging and i really appreciate your content. The article has actually peaks my interest. I’m going to bookmark your web site and maintain checking for brand spanking new information.
naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
I just like the helpful information you provide in your articles
I do not even understand how I ended up here, but I assumed this publish used to be great
You’re so awesome! I don’t believe I have read a single thing like that before. So great to find someone with some original thoughts on this topic. Really.. thank you for starting this up. This website is something that is needed on the internet, someone with a little originality!
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
I like the efforts you have put in this, regards for all the great content.
Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post
naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.
I appreciate you sharing this blog post. Thanks Again. Cool.
very informative articles or reviews at this time.
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
What I loved most about the Camel riding in Egypt was the silence and beauty. Egypt’s deserts are underrated and full of hidden gems.
This was beautiful Admin. Thank you for your reflections.
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
I appreciate you sharing this blog post. Thanks Again. Cool.
I appreciate you sharing this blog post. Thanks Again. Cool.
This was beautiful Admin. Thank you for your reflections.
This is really interesting, You’re a very skilled blogger. I’ve joined your feed and look forward to seeking more of your magnificent post. Also, I’ve shared your site in my social networks!
Nice post. I learn something totally new and challenging on websites
very informative articles or reviews at this time.
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
Hi there to all, for the reason that I am genuinely keen of reading this website’s post to be updated on a regular basis. It carries pleasant stuff.
very informative articles or reviews at this time.
Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post
Pretty! This has been a really wonderful post. Many thanks for providing these details.
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
I’m often to blogging and i really appreciate your content. The article has actually peaks my interest. I’m going to bookmark your web site and maintain checking for brand spanking new information.
I really like reading through a post that can make men and women think. Also, thank you for allowing me to comment!
Pretty! This has been a really wonderful post. Many thanks for providing these details.
Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
I just like the helpful information you provide in your articles
There is definately a lot to find out about this subject. I like all the points you made
Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
I am truly thankful to the owner of this web site who has shared this fantastic piece of writing at at this place.
I like the efforts you have put in this, regards for all the great content.
very informative articles or reviews at this time.
This is my first time pay a quick visit at here and i am really happy to read everthing at one place
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
For the reason that the admin of this site is working, no uncertainty very quickly it will be renowned, due to its quality contents.
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
Good post! We will be linking to this particularly great post on our site. Keep up the great writing
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
I am truly thankful to the owner of this web site who has shared this fantastic piece of writing at at this place.
I really like reading through a post that can make men and women think. Also, thank you for allowing me to comment!
Perfect crazy perfect love perfect love crazy brilliant random awesome bad.
This is my first time pay a quick visit at here and i am really happy to read everthing at one place
This was beautiful Admin. Thank you for your reflections.
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
I am truly thankful to the owner of this web site who has shared this fantastic piece of writing at at this place.
Great information shared.. really enjoyed reading this post thank you author for sharing this post .. appreciated
There is definately a lot to find out about this subject. I like all the points you made
This was beautiful Admin. Thank you for your reflections.
naturally like your web site however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling problems and I find it very bothersome to tell the truth on the other hand I will surely come again again.
Pretty! This has been a really wonderful post. Many thanks for providing these details.
Nice post. I learn something totally new and challenging on websites
very informative articles or reviews at this time.
This was beautiful Admin. Thank you for your reflections.
This is really interesting, You’re a very skilled blogger. I’ve joined your feed and look forward to seeking more of your magnificent post. Also, I’ve shared your site in my social networks!
There is definately a lot to find out about this subject. I like all the points you made
Awesome! Its genuinely remarkable post, I have got much clear idea regarding from this post
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
Nice post. I learn something totally new and challenging on websites
I just like the helpful information you provide in your articles
Nice post. I learn something totally new and challenging on websites
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
There is definately a lot to find out about this subject. I like all the points you made
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
This was beautiful Admin. Thank you for your reflections.
This post made me reflect deeply on important things I often overlook
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
Hi there to all, for the reason that I am genuinely keen of reading this website’s post to be updated on a regular basis. It carries pleasant stuff.
I truly appreciate your technique of writing a blog. I added it to my bookmark site list and will
I am truly thankful to the owner of this web site who has shared this fantastic piece of writing at at this place.
I very delighted to find this internet site on bing, just what I was searching for as well saved to fav
This is really interesting, You’re a very skilled blogger. I’ve joined your feed and look forward to seeking more of your magnificent post. Also, I’ve shared your site in my social networks!
interesting
Pretty! This has been a really wonderful post. Many thanks for providing these details.
For the reason that the admin of this site is working, no uncertainty very quickly it will be renowned, due to its quality contents.
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
I really like reading through a post that can make men and women think. Also, thank you for allowing me to comment!
Excellent breakdown, I completely agree with the challenges you described. For our projects we started using an AI-driven system called AI link building by OptiLinkAI, and it has simplified the entire process. It’s refreshing to see technology finally making link acquisition smarter, not just faster.
Excellent breakdown, I completely agree with the challenges you described. For our projects we started using an AI-driven system called AI link building by OptiLinkAI, and it has simplified the entire process. It’s refreshing to see technology finally making link acquisition smarter, not just faster.
Magnificent beat I would like to apprentice while you amend your site how can i subscribe for a blog web site The account helped me a acceptable deal I had been a little bit acquainted of this your broadcast offered bright clear idea
Excellent breakdown, I completely agree with the challenges you described. For our projects we started using an AI-driven system called AI link building by OptiLinkAI, and it has simplified the entire process. It’s refreshing to see technology finally making link acquisition smarter, not just faster.
Your writing is so relatable and down-to-earth It’s like chatting with a good friend over a cup of coffee Keep sharing your wisdom with us
I’ve been using [url=https://www.nothingbuthemp.net/collections/libido-gummies ]libido gummies[/url] ordinary seeing that during the course of a month now, and I’m indubitably impressed before the uncontested effects. They’ve helped me perceive calmer, more balanced, and less restless everywhere the day. My sleep is deeper, I wake up refreshed, and even my pinpoint has improved. The quality is excellent, and I cognizant the natural ingredients. I’ll definitely heed buying and recommending them to everybody I be aware!
I’ve been exploring [url=https://terpenewarehouse.com/collections/terpenes-for-pain ]best terpenes for pain and inflammation[/url] recently, and I’m deep down enjoying the experience. The scents are well off, customary, and pleasant. They enlarge a gracious drink to my day after day routine, helping fasten on the willing and atmosphere. A great catch sight of quest of anyone who appreciates savoury wellness tools.
I started irresistible [url=https://www.cornbreadhemp.com/products/cbd-sleep-gummies ]cbd gummies for sleep[/url] a itty-bitty while ago just now to last what the hype was about, and these days I in reality look brash to them preceding the time when bed. They don’t finish me out or anything, but they make it so much easier to depress and crumple asleep naturally. I’ve been waking up feeling way more rested and not sluggish at all. Disinterestedly, description of impose upon I’d tried them sooner.
I’ve been exploring [url=https://terpenewarehouse.com/products/cotton-candy-terpenes ]terpene candy[/url] recently, and I’m indeed enjoying the experience. The scents are in the chips, natural, and pleasant. They tot up a discriminative drink to my day after day habit, dollop fasten on the feeling ready and atmosphere. A great track down for anyone who appreciates pungent wellness tools.
I’ve been exploring [url=https://terpenewarehouse.com/collections/appetite-suppressant-terpenes ]terpenes for appetite suppression[/url] recently, and I’m deep down enjoying the experience. The scents are with, natural, and pleasant. They annex a gracious caress to my always habit, helping beat up a compare the willing and atmosphere. A massive catch sight of for anyone who appreciates perfumed wellness tools.
I’ve been exploring runtz terpenes recently, and I’m remarkably enjoying the experience. The scents are rich, natural, and pleasant. They tot up a nice touch to my daily routine, ration congeal the willing and atmosphere. A large catch sight of for anyone who appreciates savoury wellness tools.