SELF-DIRECTED RETIREMENT
ACCOUNT INVESTING
Earn Passive Income Investing In Multifamily Properties
We maximize investor returns by increasing net operating income throughout the holding period through a hands-on management style of heavy renovation and aggressive lease-up.
Your retirement account already owns real assets. It's just been renting stocks instead of ground.
Most IRAs are locked into whatever a brokerage sells, mutual funds, ETFs, market volatility. A self-directed IRA, opened through a custodian like IRA Club, lets the same tax-advantaged dollars own something that produces: income-generating multifamily real estate.
No cost to open a self-directed account inquiry. Nothing here is tax or legal advice, see full disclosure below.
The same dollars. Two very different jobs.
Traditional IRA — the bathtub
Money sits in stocks and funds. Value rises and falls with the market. You draw it down in retirement, and every withdrawal shrinks what's left.
Self-Directed IRA — the orchard
The same tax-advantaged dollars own a share of real, income-producing property. Rent arrives whether the market is up or down, and the asset keeps producing.
Your custodian's menu isn't the IRS's rule.
Most people assume their IRA is legally restricted to stocks, bonds, and mutual funds. It isn't. That's simply what most brokerages are set up to sell. The IRS permits a far wider range of assets, a standard custodian just doesn't offer them.
"What a typical brokerage IRA offers".
> Publicly traded stocks
> Mutual funds and ETFs
> Bonds and money market funds
> Whatever the platform's menu includes, nothing more
"What a self-directed IRA can hold."
> Private real estate and syndications
> Private notes and lending
> Private equity and LLC interests
> Publicly traded assets too, if you still want them
Why we point investors to IRA Club
IRA Club is a self-directed custodian, not an investment advisor, and not affiliated with Chateau Capital. Their only job is to hold your retirement account and let you direct where it invests. That separation is exactly the point: they don't sell products, so their only incentive is administering your account correctly.
| You choose the asset.
- IRA Club doesn't restrict you to a proprietary fund menu. If the IRS allows it and you've done your diligence, you can direct your account into it.
| Built for private real estate.
- Their team routinely processes real estate syndications, the paperwork, wiring, and title language a typical brokerage custodian has never seen.
| Traditional, Roth, and Solo 401(k).
- Fund a new self-directed account, transfer an existing IRA, or roll over an old 401(k), each has different tax mechanics worth understanding first.
| A team that explains it plainly.
- A quick call with IRA Club walks through exactly what transfers, what it costs, and what the timeline looks like, before you move a dollar.
Why a Roth conversion changes the math
Converting a traditional IRA to a Roth means paying ordinary income tax on the converted amount now. In exchange, everything that account earns afterward, including rental income and appreciation from real estate, grows completely tax-free, and stays tax-free when withdrawn in retirement.
What this means for real estate specifically
Outside of a retirement account, real estate's depreciation benefits come with a real limitation: the IRS's passive activity loss rules generally prevent those paper losses from offsetting your regular income. Inside a Roth IRA, that limitation stops mattering, there's no current-year tax bill to offset in the first place, because the income isn't taxed at all.
There's a separate rule worth understanding before investing retirement funds in a leveraged deal: real estate held inside an IRA that uses debt financing can trigger something called Unrelated Debt-Financed Income (UDFI), a tax that applies specifically to the leveraged portion of returns inside a retirement account. This is a real consideration, not a reason to avoid self-directed investing, but a question worth asking about the specific deal and how it's structured.
This is general education, not personalized tax advice. A Roth conversion is a taxable event, and whether it makes sense depends on your tax bracket today, your expected bracket in retirement, and your specific timeline. Talk to your CPA before converting.
How self-directing actually works
Four steps, typically two to four weeks from first call to funded account.
01
Talk to IRA Club
A short call to open a self-directed account, Traditional, Roth, or Solo 401(k) , and understand which structure fits your situation.
02
Fund or transfer
Move funds from an existing IRA or old 401(k), or fund a new account directly. IRA Club handles the custodial paperwork.
03
Review an opportunity
Look at a current Chateau Capital multifamily opportunity, underwritten and presented the same way to every investor.
04
Direct your investment
Instruct IRA Club to fund the investment from your self-directed account. Your IRA, not you personally, becomes the investor of record.
Two conversations, before you move a dollar.
Talk to IRA Club about opening or transferring a self-directed account. Talk to our team about which current Chateau Capital opportunity might fit inside it. Neither call is an obligation to invest.
INFORMATION LINKS
CONTACT US
Fletcher, North Carolina
