Show Notes
Did you know most investors overlook one of the largest sources of untapped capital? In this episode, Michael sits down with Kaaren Hall, founder of UDirect IRA and author of The BiggerPockets Guide to Self-Directed IRA Investing, to break down exactly how GPs and LPs can use retirement funds to invest in real estate. You’ll learn the rules, the risks, and how to avoid major tax pitfalls. Whether you’re trying to raise capital or build wealth passively, this episode is a must-listen for serious investors ready to scale smarter.
Key Takeaways
What Self-Directed IRAs Actually Let You Do
A self-directed IRA (SDIRA) allows you to invest in alternative assets—real estate, crypto, notes, even startups.
The process is simple: open the account, fund it with cash, and direct it into deals.
Your IRA—not you personally—takes title to the investment, and all income and expenses flow through the IRA.
Avoid These Prohibited Transactions
Disqualified parties include you, your spouse, parents, kids, and fiduciaries—no deals allowed with them.
The transaction must be 100% arm’s length.
You can't use IRA funds to benefit yourself now; it must all be for retirement benefit later.
Using Self-Directed IRAs for Syndications
The #1 use of SDIRAs today is for investing passively in real estate syndications.
GPs should always ask investors, “Do you have retirement funds you’d like to use?”
LPs need to submit subscription documents through the IRA custodian—not personally.
UBIT and UDFI: What Every Investor Must Understand
If leverage is involved, expect possible taxes—even in your IRA.
UDFI (Unrelated Debt Financed Income) can apply when a property has a mortgage.
Solo 401(k)s are often exempt from UDFI on acquisition debt—this makes them powerful tools for active investors.
Roth vs. Traditional IRA: Strategic Tax Play
Roth IRAs offer tax-free growth and withdrawals if conditions are met (59½ and 5 years).
Backdoor Roths and Roth SEPs (via Secure Act 2.0) create powerful tax planning opportunities.
Consider doing a Roth conversion during a low-income year to minimize taxes.
New Legislation Brings Alternatives into 401(k) Plans
Recent federal changes may allow employer 401(k) plans to invest in “funds of alternative assets.”
This won’t let employees buy real estate directly, but it could open doors for real estate funds and syndications to receive 401(k) capital.
The Department of Labor is still reviewing implementation, but this could be game-changing for capital access.
Connect with Kaaren Hall
Website: udirectira.com
Free Guide: Available on the homepage
Book: The BiggerPockets Guide to Self-Directed IRA Investing (available on Amazon)
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
Excellent work! Looking forward to future posts.
Your writing style makes complex ideas so easy to digest.
This post cleared up so many questions for me.
I’ve gained a much better understanding thanks to this post.
Your writing is not only informative but also incredibly inspiring. You have a knack for sparking curiosity and encouraging critical thinking. Thank you for being such a positive influence!
You made some excellent points here. Well done!
Very relevant and timely content. Appreciate you sharing this.
Keep writing! Your content is always so helpful.
Thank you for making this topic less intimidating.
Thank you for offering such practical guidance.
This content is gold. Thank you so much!
I’m definitely going to apply what I’ve learned here.
Your advice is exactly what I needed right now.
Very well presented. Every quote was awesome and thanks for sharing the content. Keep sharing and keep motivating others.
You have a real gift for explaining things.
This was easy to follow, even for someone new like me.
This is my first time pay a quick visit at here and i am really happy to read everthing at one place
This gave me a lot to think about. Thanks for sharing.
This is my first time pay a quick visit at here and i am really happy to read everthing at one place
Thank you for covering this so thoroughly. It helped me a lot.
Such a thoughtful and well-researched piece. Thank you.
So simple, yet so impactful. Well written!
I like how you presented both sides of the argument fairly.
I appreciate the real-life examples you added. They made it relatable.
I appreciate the nuance — you covered both pros and cons fairly.
What a helpful and well-structured post. Thanks a lot!
This made me rethink some of my assumptions. Really valuable post.
I’ve read similar posts, but yours stood out for its clarity.
I never thought about it that way before. Great insight!
This was very well laid out and easy to follow.
I appreciate the depth and clarity of this post.
I enjoyed your take on this subject. Keep writing!
I love the clarity in your writing.
Your breakdown of the topic is so well thought out.
This cleared up a lot of uncertainty — I feel more confident now.
I just like the helpful information you provide in your articles
This was a great reminder for me. Thanks for posting.
Great article! I’ll definitely come back for more posts like this.
This is now one of my favorite blog posts on this subject.
This is one of the best explanations I’ve read on this topic.
Thank you for covering this so thoroughly. It helped me a lot.
I always look forward to your posts. Keep it coming!
I’ve gained a much better understanding thanks to this post.
This is now one of my favorite blog posts on this subject.
This is now one of my favorite blog posts on this subject.
Great points, well supported by facts and logic.
I hadn’t considered this angle before. It’s refreshing!
This was a great reminder for me. Thanks for posting.
I’ll be sharing this with a few friends.
It’s great to see someone explain this so clearly.
Thanks for sharing your knowledge. This added a lot of value to my day.
I never thought about it that way before. Great insight!
Great points, well supported by facts and logic.
You’ve clearly done your research, and it shows.
This post gave me a new perspective I hadn’t considered.
This made me rethink some of my assumptions. Really valuable post.
Thank you for covering this so thoroughly. It helped me a lot.
Your content always adds value to my day.
I’ve bookmarked this post for future reference. Thanks again!
It’s great to see someone explain this so clearly.
Thanks for sharing your knowledge. This added a lot of value to my day.
I love how well-organized and detailed this post is.
I really needed this today. Thank you for writing it.
I wasn’t sure what to expect at first, but this turned out to be surprisingly useful. Thanks for taking the time to put this together.
Great article! I’ll definitely come back for more posts like this.
I like how you presented both sides of the argument fairly.
I love how clearly you explained everything. Thanks for this.
This content is really helpful, especially for beginners like me.
I enjoyed every paragraph. Thank you for this.
Great mix of research and practical application. Very helpful.
I’ll definitely come back and read more of your content.
You have a real gift for explaining things.
This topic is so relevant right now. Thanks for the timely post.
This post cleared up so many questions for me.
You’ve done a great job with this. I ended up learning something new without even realizing it—very smooth writing!
Thanks for sharing your knowledge. This added a lot of value to my day.
I’ll definitely come back and read more of your content.
This gave me a whole new perspective. Thanks for opening my eyes.
Short but powerful — great advice presented clearly.
What an engaging read! You kept me hooked from start to finish.
I loved as much as youll receive carried out right here The sketch is tasteful your authored material stylish nonetheless you command get bought an nervousness over that you wish be delivering the following unwell unquestionably come more formerly again since exactly the same nearly a lot often inside case you shield this hike
Excellent work! Looking forward to future posts.
I always look forward to your posts. Keep it coming!
This content is really helpful, especially for beginners like me.
This was beautiful Admin. Thank you for your reflections.
Thanks for addressing this topic—it’s so important.
Great article! I’ll definitely come back for more posts like this.
Wonderful web site Lots of useful info here Im sending it to a few friends ans additionally sharing in delicious And obviously thanks to your effort
I really needed this today. Thank you for writing it.
What a helpful and well-structured post. Thanks a lot!
You’ve sparked my interest in this topic.
I’ve bookmarked this post for future reference. Thanks again!
I recently tried to Cracked APK from a verified source and found it super helpful. The Full version APK version provided access to features like VPN Pro Unlocked and Verified APK which made the experience much smoother. I also checked for security before installing the Unlimited Money and everything worked perfectly. Always look for safe APK download sites to ensure reliability and clean installations.
I feel more confident tackling this now, thanks to you.
Pide çeşitlerinin hepsini denemek istedim çünkü hepsi çok güzel görünüyordu. Özellikle kuşbaşılı pide favorim oldu, eti ve peyniri çok uyumluydu.
I appreciate how genuine your writing feels. Thanks for sharing.
Posts like this are why I keep coming back. It’s rare to find content that’s simple, practical, and not full of fluff.
في المنازل القديمة، أنابيب الصرف المتشققة تكون مصدراً دائماً لتسرب الماء وجذب الآفات؛ استبدال الجزء التالف مع تسليك دوري يقضي على المشكلة. إقرأ التعليمات الفنية في دليل التسليك.
I’ve gained a much better understanding thanks to this post.
This was a very informative post. I appreciate the time you took to write it.
Keep educating and inspiring others with posts like this.
This helped clarify a lot of questions I had.
Shop from brands that offer transparency about materials and production.
Thanks for the examples — they made the theory much easier to digest.
I appreciate the step-by-step instructions. They made implementation easy.
Awesome write-up! The screenshots made everything so clear.
I appreciate the step-by-step instructions. They made implementation easy.
Your thoughts are always so well-organized and presented.
This helped me rethink my strategy. Thanks for the inspiration!
High‑quality content, thanks! (#768)
Kuru fasulye hem taze hem de sıcak geldi, servis hızlıydı. Gerçekten ev yapımı hissi veren bir lezzet. Rize’de böyle bir kaliteyi bulmak zor.
Your blog has become an indispensable resource for me. I’m always excited to see what new insights you have to offer. Thank you for consistently delivering top-notch content!
Somebody essentially lend a hand to make significantly articles Id state That is the very first time I frequented your website page and up to now I surprised with the research you made to make this actual submit amazing Wonderful task
I believe you have remarked on some very interesting points , thankyou for the post.
What a great article.. i subscribed btw!
If wings are your thing, Tinker Bell’s sexy Halloween costume design is all grown up.
I think other website proprietors should take this web site as an model, very clean and great user pleasant style and design .
I appreciate your work, thanks for all the great blog posts.
I have been curious about these trends, and you have really helped me. I have just told a few of my friends about this on FaceBook and they love your content just as much as I do.
While this issue can vexed most people, my thought is that there has to be a middle or common ground that we all can find. I do value that you’ve added pertinent and sound commentary here though. Thank you!
Public policy is key here, and our states need to develop some strategies – – soon.
I’ve read several good stuff here. Definitely worth bookmarking for revisiting. I surprise how much effort you put to make such a magnificent informative site.
This website has lots of really useful stuff on it. Thanks for informing me.
I like this weblog very much so much great info .
We’re developing some community services to respond to this, and your blog is helpful.
A thoughtful insight and ideas I will use on my blog. You’ve obviously spent some time on this. Congratulations
Wow, amazing blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is great, as well as the content!
bonjour I love Your Blog can not say I come here often but im liking what i c so far….
That is really fascinating, You’re an excessively skilled blogger. I’ve joined your rss feed and look forward to in the hunt for extra of your magnificent post. Additionally, I’ve shared your website in my social networks!
Great info! Keep post great articles.
Just wanna admit that this is extremely helpful, Thanks for taking your time to write this.
This blog post is excellent, probably because of how well the subject was developed. I like some of the comments too though I could prefer we all stay on the subject in order add value to the subject!
While this issue can vexed most people, my thought is that there has to be a middle or common ground that we all can find. I do value that you’ve added pertinent and sound commentary here though. Thank you!
Glad to be one of many visitants on this amazing site : D.
When are you going to take this to a full book?
I like to spend my free time by scanning various internet resources. Today I came across your website and I found it has some of the most practical and helpful information I’ve seen.
Great post. Just a heads up – I am running Ubuntu with the beta of Firefox and the navigation of your blog is kind of broken for me.
Our communities really need to deal with this.
We are a group of volunteers and starting a new initiative in our community. Your blog provided us with valuable information to work on|.You have done a marvellous job!
I like what you have to offer. Keep up the good work!
Vous recherchez un casino en ligne France à la fois fiable et divertissant ? Découvrez notre liste des meilleurs sites de casino où jouer ! Notre équipe évalue chaque plateforme selon des critères précis : la licence, la variété de jeux, la rapidité des paiements et l’expérience utilisateur. Après analyse, le meilleur casino en ligne reste Winamax, reconnu pour sa sécurité et sa régulation exemplaire. Notre classement de 2025 réunit les casinos en ligne les plus adaptés aux joueurs français, garantissant confiance, transparence et plaisir de jeu responsable.
Fort de l’essor croissant des sites de casino en France, vous recherchez certainement le meilleur casino en ligne sécurisé et offrant des retraits rapides. Consciente de cela, notre équipe a pris le soin d’évaluer plusieurs casinos pour ne retenir que les meilleurs pour 2025, comme Unibet, Betclic ou Winamax. Nous avons analysé chaque casino en ligne en France selon les critères suivants : licence, sécurité, paiement, offres de bonus et jeux. Découvrez nos meilleures recommandations dans ce guide.
Top 9 Meilleur casino en ligne pour les joueurs français: Winamax – idéal pour le poker et les tournois en ligne, Pokerstars – top pour affronter les joueurs de poker du monde entier, Wazamba – parfait pour les tournois réguliers attractifs, PMU – spécialisé sur le turf, mais propose aussi les paris sportifs, Unibet – idéal pour varier les jeux en ligne, FDJ – meilleure option pour les jeux de loterie et les jeux traditionnels français, Betclic – offre une interface intuitive et des paris combinés, Parionsweb – pensé pour les parieurs français traditionnels, Bwin – intéressant pour les paris sportifs et options hybrides. Le marché du casino en ligne en France connaît une croissance exceptionnelle en 2025. Avec plus de 3 millions de joueurs actifs, les casinos en ligne français offrent une expérience de jeu de plus en plus sophistiquée et sécurisée. Ce guide complet vous présente les meilleurs casinos en ligne disponibles en France, leurs bonus exclusifs, et toutes les informations essentielles pour jouer en toute sécurité.
Déterminer quel casino en ligne est réellement adapté pour miser de l’argent véritable s’avère bien plus délicat qu’on pourrait le penser. En 2025, le secteur français des jeux virtuels connaît une croissance rapide, mettant à disposition plus de 200 plateformes certifiées accessibles aux joueurs nationaux. Cette multitude d’options rend la sélection d’un site fiable et agréable encore plus exigeante.C’est pour cette raison que notre classement s’appuie sur une analyse rigoureuse. L’ensemble des casinos en argent réel mentionnés ici ont été examinés en détail avant d’être ajoutés. La sécurité des utilisateurs demeure au cœur de nos priorités, et notre objectif est de vous éviter les dangers associés aux sites non fiables, de plus en plus nombreux sur le web.
I like your quality that you put into your writing . Please do continue with more like this.
Easily, the post is really the greatest on this laudable topic. I concur with your conclusions and will thirstily look forward to your future updates. Saying thank will not just be sufficient, for the wonderful c lucidity in your writing. I will instantly grab your rss feed to stay privy of any updates. Solid work and much success in your business enterprise!
With CatchON TV, you’ll enjoy the ultimate TV experience — access over 24000 live channels and 90000+ movies and series. Stream everything you love, …
This is my first time i visit here. I found so many helpful stuff in your website especially its discussion. From the tons of responses on your posts, I guess I am not the only one having all the enjoyment here! keep up the excellent work
I really love this article.
Hi, I just hopped over to your web-site through StumbleUpon. Not somthing I might typically browse, but I liked your views none the less. Thanks for making something worthy of reading through.
Hello There. I found your blog using msn. This is a really well written article.
I’ll make sure to bookmark it and come back to read more of your useful information.
Thanks for the post. I will certainly comeback.
However, it is virtually all done with tongues rooted solidly in cheeks, and everyone has absolutely nothing but absolutely love for his or her friendly neighborhood scapegoat. The truth is, he is not just a pushover. He is basically that special variety of person strong enough to take all of that good natured ribbing for exactly what it is.
There is so much to try to understand
I’m partial to blogs and i actually respect your content. The article has actually peaks my interest. I am going to bookmark your site and preserve checking for new information.
Woh I enjoy your content , saved to bookmarks!
It’s a comprehensive, yet fast read.
Some genuinely choice content on this site, bookmarked .
Beneficial Blog! I had been simply just debating that there are plenty of screwy results at this issue you now purely replaced my personal belief. Thank you an excellent write-up.
Some truly interesting info , well written and broadly user genial .
Howdy I wanted to write a new remark on this page for you to be able to tell you just how much i actually Enjoyed reading this read. I have to run off to work but want to leave ya a simple comment. I saved you So will be returning following work in order to go through more of yer quality posts. Keep up the good work.
My brother suggested I might like this websiteHe was once totally rightThis post truly made my dayYou can not imagine simply how a lot time I had spent for this information! Thanks!
A thoughtful insight and ideas I will use on my blog. You’ve obviously spent some time on this. Congratulations
Admiring the time and effort you put into your site and detailed info you offer!
you may have an ideal blog here! would you prefer to make some invite posts on my blog?
Enjoyed reading through this, very good material. Thanks!
have already been reading ur blog for a couple of days. really enjoy what you posted. btw i will be doing a report about this topic. do you happen to know any great websites or forums that I can find out more? thanks a lot.
Cherished is likely to be what people say about your comments.
Kèo nhà cái bóng đá hôm nay mới nhất. Xem tỷ lệ kèo nhà cái 5 trực tuyến tối đêm nay chuẩn xác. Tỷ lệ kèo cá cược keonhacai 55 trực tiếp nhanh nhất 24h qua.
I just added this to my favorites. I truly love reading your posts. Tyvm!
Our communities really need to deal with this.
I am glad to be one of the visitors on this great site (:, appreciate it for putting up.
I do not even know how I ended up here, but I thought this post was good. I do not know who you are but certainly you are going to a famous blogger if you are not already 😉 Cheers!
I Am Going To have to come back again when my course load lets up – however I am taking your Rss feed so i can go through your site offline. Thanks.
Cherished is likely to be what people say about your comments.
If most people wrote about this subject with the eloquence that you just did, I’m sure people would do much more than just read, they act. Great stuff here. Please keep it up.
Good job for bringing something important to the internet!
You are good writer. Thank you.
Hmm it looks like your website ate my first comment (it was super long) so I guess I’ll just sum
it up what I wrote and say, I’m thoroughly enjoying your blog.
I as well am an aspiring blog writer but I’m still new to the whole thing.
Do you have any helpful hints for inexperienced
blog writers? I’d genuinely appreciate it.
Thanks for another great post. Where else may anybody get that type of info in such an ideal way of writing? I have a presentation next week, and I’m at the search for such information.
There are some serious financial ramifications here.
It is perfect time to make some plans for the future and it is time to be happy. I’ve read this post and if I could I want to suggest you some interesting things or suggestions. Perhaps you can write next articles referring to this article. I wish to read more things about it!
Thank you a lot for sharing this with all folks you actually recognize what you’re speaking about! Bookmarked. Please additionally visit my site =). We can have a hyperlink trade contract among us!
Thank you pertaining to sharing the following great subject matter on your website. I ran into it on google. I am going to check to come back after you publish additional aricles.
I concur with your conclusions and will eagerly look forward to your future updates. The usefulness and significance is overwhelming and has been invaluable to me!
I think other website proprietors should take this web site as an model, very clean and great user pleasant style and design .
However, it is virtually all done with tongues rooted solidly in cheeks, and everyone has absolutely nothing but absolutely love for his or her friendly neighborhood scapegoat. The truth is, he is not just a pushover. He is basically that special variety of person strong enough to take all of that good natured ribbing for exactly what it is.
What a great article.. i subscribed btw!
Our family had similar issues, thanks.
I cannot thank you more than enough for the blogposts on your website. I know you set a lot of time and energy into these and truly hope you know how deeply I appreciate it. I hope I’ll do a similar thing person sooner or later.
Our community leaders need to read this, and look at developing some of your recommendations.
Great post, keep up the good work, I hope you don’t mind but I’ve added on my blog roll.
I have been curious about these trends, and you have really helped me. I have just told a few of my friends about this on FaceBook and they love your content just as much as I do.
Assume you are doing good linking to position you on the first pages of search engines.
Very nice post. I just stumbled upon your blog and wanted to say that I’ve really enjoyed browsing your blog posts. In any case I’ll be subscribing to your rss feed and I hope you write again soon!
If most people wrote about this subject with the eloquence that you just did, I’m sure people would do much more than just read, they act. Great stuff here. Please keep it up.
I will share you blog with my sis.
Your posts provide a clear, concise description of the issues.
I appreciate your work, thanks for all the great blog posts.
Excellent read, I just passed this onto a colleague who was doing a little research on that. And he actually bought me lunch because I found it for him smile So let me rephrase that.|
Aw, this was a very nice post. In idea I wish to put in writing like this moreover taking time and precise effort to make an excellent article! I procrastinate alot and by no means seem to get something done.
I was referred to this web site by my cousin. I’m not sure who has written this post, but you’ve really identified my problem. You’re wonderful! Thanks!
Very nice post. I just stumbled upon your blog and wanted to say that I’ve really enjoyed browsing your blog posts. In any case I’ll be subscribing to your rss feed and I hope you write again soon!
Great post, keep up the good work, I hope you don’t mind but I’ve added on my blog roll.