Buy rental property with your retirement savings
Your IRA can own Broward County and Boca Raton real estate – and the income can grow tax-deferred or tax-free. We handle the part the IRS won’t let you do yourself: managing it.
Prefer to talk it through? Call (954) 860-7493
Most people don’t know their IRA can hold real estate
A self-directed IRA (SDIRA) lets your retirement account invest in assets beyond stocks and funds – including residential rental property right here in Broward County and Boca Raton. The structure is well established; the catch is that the IRS holds it to strict rules.
Tax-advantaged growth
Rental income and gains flow back into the IRA. In a traditional SDIRA that growth is tax-deferred; in a Roth SDIRA, qualified withdrawals can be tax-free.
A real, tangible asset
Instead of paper holdings, your IRA owns a deeded Broward or Boca property – the kind of asset many high-net-worth professionals already understand and trust.
You direct the strategy
You choose the property and the market. A custodian holds the account; a property manager runs the asset. You stay in control of the investment thesis.
How an IRA actually buys a house
The mechanics are more straightforward than most investors expect. Here’s the path from existing retirement account to a managed Broward or Boca rental.
Open a self-directed IRA
Set up an account with a specialized SDIRA custodian (see our comparison below). This is a different custodian than a typical brokerage IRA.
Fund it by transfer or rollover
Move funds from an existing traditional IRA, Roth IRA, 401(k), or similar account into the SDIRA. A direct custodian-to-custodian transfer avoids taxes and penalties.
The IRA buys the property
Title is held in the name of your IRA – not you personally. The purchase is funded entirely from IRA cash, or partly with a non-recourse loan.
We manage it for you
All rent flows into the IRA; all expenses are paid from the IRA. Damelecia handles tenants, maintenance, and compliance – the part you legally cannot do yourself.
The rule that makes a property manager mandatory
The IRS treats an IRA-owned property as a strict arm’s-length investment. You – and your close family – are “disqualified persons.” That single rule quietly removes the do-it-yourself option, and it’s exactly where we come in.
You can’t manage it. So who does?
A licensed, independent property manager is the clean, compliant answer – a third party who collects the rent, hires the vendors, and keeps every dollar flowing through the IRA. That’s precisely what Damelecia does, every day, across Broward County and Boca Raton.
The leading self-directed IRA custodians for real estate
A custodian holds your account and processes the paperwork – they don’t manage the property or give investment advice. Here’s an honest look at five of the most established names. We work alongside whichever you choose.
| Custodian | Best known for | Notable for real estate |
|---|---|---|
| Equity Trust We work with them |
One of the longest-running custodians – predecessor business founded 1974, IRS-approved custodian since 1983. | Deep real-estate program: dedicated investing hub, non-recourse lending partners, Checkbook IRA LLC option, and 990-T/UBIT support. |
| IRA Financial | Frequently ranked among the top SDIRA providers; strong checkbook-control and flat-fee model. | Flat annual fees that don’t scale with account size, plus checkbook control for faster transactions. |
| uDirect IRA | A long-standing specialist with a real-estate-investor focus and check-writing control. | Real-estate-first reputation and hands-on support for landlords and note investors. |
| Madison Trust | Transparent, flat-fee pricing and a strong service reputation among newer custodians. | Predictable cost structure with clear per-transaction pricing for purchases and rent processing. |
| Pacific Premier Trust | 30+ years in self-directed custody, backed by a publicly traded bank, with billions under custody. | Institutional scale and a focus on real estate and private equity for larger portfolios. |
Moving existing retirement funds is the easy part
If your savings already sit in a traditional IRA, Roth IRA, old 401(k), SEP, or SIMPLE IRA, those funds can usually be moved into a self-directed IRA without creating a taxable event – when it’s done correctly.
- Direct transfer: funds move custodian-to-custodian; you never touch the money, so there’s no withholding or penalty.
- Rollover: common for funds leaving a former employer’s 401(k) into an SDIRA.
- Traditional vs. Roth: a Roth conversion is a separate, taxable decision – one to weigh with your tax advisor before acting.
We’ll walk you through it
You don’t have to figure out the custodian paperwork, the transfer forms, and the property side on your own. Tell us what you’re working with and we’ll map the path – and line up management once your IRA is ready to buy.
Start the conversation ->We’ve been the investor in this story
Melecia started in 2007 managing her own investment properties. That firsthand investor experience shapes every IRA-owned property we run – not a script. Today Damelecia manages rentals for owners and investors.
We focus on Broward County and Boca Raton – Plantation, Davie, Weston, Fort Lauderdale, Coral Springs, Boca Raton, and surrounding cities. Local depth, not thin coverage.
Melecia Johnson serves as Broker and Property Manager – a Florida licensing distinction that matters for IRA-owned real estate.
Tenants are screened to an income minimum of 2.5x the rent, protecting the income stream your IRA depends on.
As an independent, non-disqualified manager, we keep your IRA-owned property structured the way the IRS expects.
Self-directed IRA real estate, answered
The questions Broward and Boca investors ask us most before getting started.
Can I use a self-directed IRA to buy rental property in Broward County or Boca Raton?
Yes. A self-directed IRA can hold residential rental real estate as an investment. The property is titled in the name of your IRA, all rental income flows back into the IRA, and all expenses are paid from it. The growth is tax-deferred in a traditional SDIRA or potentially tax-free in a Roth SDIRA.
Can I manage my own IRA-owned property myself?
No. The IRS treats you and close family members as disqualified persons, so you cannot personally manage, repair, or perform any work on a property owned by your IRA. The property must be managed by an independent, non-disqualified third party such as a licensed property management company.
Can I convert a traditional IRA or old 401(k) into a self-directed IRA?
Yes. Funds in a traditional IRA, Roth IRA, former employer 401(k), SEP, or SIMPLE IRA can usually be moved into a self-directed IRA through a direct custodian-to-custodian transfer or a rollover, without creating a taxable event when done correctly. A Roth conversion is a separate, taxable decision to weigh with your tax advisor.
Who can manage a property owned by my self-directed IRA?
A licensed, independent property manager who is not a disqualified person. They collect the rent into the IRA, hire vendors, and handle maintenance and compliance. Damelecia, Inc. provides this service for IRA-owned residential property throughout Broward County and Boca Raton.
Let’s talk about your IRA real estate plan
Whether you’re just exploring the idea or already have a self-directed IRA ready to invest, we’ll give you a straight read on what’s involved and how we’d manage the property. Based in Plantation, serving Broward County and Boca Raton.
Request a free rental analysis ->8201 Peters Rd Suite 1000, Plantation, FL 33324 | info@damelecia.com
Tell us where you’re starting
We’ll follow up within one business day.
Takes about a minute. We serve Broward County and Boca Raton.
Same owner-led model for IRA-owned rentals
We manage IRA-owned homes under the same owner-led model we use for other Broward County and Boca Raton rentals. For management pricing, see Pricing – plans from 8%, with our standard Gold plan at 10% of rent collected, a one-month leasing fee on a new lease and vacant months at $0. Custodian transaction fees and any specialized IRA paperwork costs are set by your custodian, not by Damelecia.
Phone: (954) 860-7493 | Email: info@damelecia.com
Office: 8201 Peters Rd Suite 1000, Plantation, FL 33324