Backed by something real
Your account holds a share of a physical apartment community with residents, leases and a rent roll behind it, rather than a line on a brokerage statement.
Retirement capital · Self-directed
Put your retirement
Put your retirement
account to work.
If you hold an IRA, or a 401(k) from an employer you have left, you can likely direct part of it into the same multifamily communities our investors own, without taking a distribution and without an early-withdrawal penalty.
At a glanceIRA / 401(k)
- Backed by real property, not a ticker
- No withdrawal from your account
- Growth stays tax-advantaged
- Distributions return to the account
Why real estate
Retirement money is patient money.
Retirement money is patient money.
Multifamily rewards patience.
A retirement account does not need to be liquid next quarter. That is exactly the horizon a well-run apartment community asks for, and it is the reason so many of our investors fund with one.
Tax-advantaged compounding
Rental income and any eventual sale proceeds flow back into the account. In a Traditional IRA that growth is deferred; in a Roth it can be tax-free. Confirm the specifics with your CPA.
Genuinely hands-off
A professional team handles leasing, maintenance, renovations and reporting. Nothing about the property lands on your desk, which is the point.
Diversification beyond the market
Property does not move in lockstep with stocks and bonds. Holding some of your retirement outside the market changes the shape of the whole portfolio.
Rents can follow prices
Apartment leases reset roughly every year, so income has a chance to keep pace with the cost of living in a way a fixed coupon cannot.
The hold period fits
We underwrite to a 3–7 year hold. Capital you are not planning to touch until retirement is well suited to that timeline.
What you can move
Check with your plan administrator
Traditional
IRA
IRA
Transfer all or
part of the balance
part of the balance
Roth
IRA
IRA
Growth may be
tax-free
tax-free
SEP
IRA
IRA
And SIMPLE, for the
self-employed
self-employed
Old
401(k)
401(k)
From an employer
you have left
you have left
A 401(k) with your current employer usually cannot be moved until you leave, though some plans allow an in-service rollover. Your plan administrator will know.
How it works
Four steps, and we
Four steps, and we
walk you through each one.
01 · Open
Self‑directed account
Standard brokerage IRAs cannot hold private real estate. You open a self-directed account with a custodian that can. We will point you to the ones our investors already use.
02 · Fund
Transfer or roll over
Move funds by direct transfer from an existing IRA, or roll over an old employer plan. Handled custodian to custodian, so it is not treated as a distribution to you.
03 · Invest
Subscribe in the account's name
Review the offering materials, ask us anything, then subscribe. The paperwork is signed by the retirement account as the investor, not by you personally.
04 · Receive
Distributions come back in
Quarterly cash flow and any eventual sale proceeds are paid to the account rather than to you, which is what keeps the tax treatment intact.
Before you start
Four things we would
Four things we would
rather you heard from us.
The account is the investor, not you
Title, subscription documents and every distribution sit with the retirement account. You cannot personally use or take a benefit from the property while the account holds it.
Custodians charge fees
Expect a setup fee and an annual account fee. Modest against a typical allocation, but real, and worth comparing between custodians before you choose one.
Leverage can create a tax bill
Multifamily deals usually carry a mortgage, and the debt-financed share of income inside an IRA can trigger unrelated business income tax. Often small, sometimes not. Ask your CPA before you commit.
Give it time
Opening an account and moving funds can take a couple of weeks. If a particular offering is filling, start the paperwork early rather than at the deadline.
Next step
Not sure whether
Not sure whether
your account qualifies?
Send us a note with the type of account you hold and roughly what you are considering. We will tell you plainly whether it can be used, what it would involve, and what it would cost, before you commit to anything.
Chazak Investment
+1 (347) 471-1540 Infos@chazakinvestment.com5805 Moravia Rd
Baltimore, MD 21206
Chazak Investment is not a tax adviser, accountant, law firm or IRA custodian, and nothing on this page is tax, legal or investment advice. Rules for retirement accounts depend on your own circumstances, and this page describes them in general terms only. Please confirm any decision with your own CPA, attorney or financial adviser before acting. Investments in private real estate are illiquid and involve risk, including the possible loss of principal. Past performance is not indicative of future results.