Roth 401(k) Rollover & Self-Directed Retirement Account Investors
Use Eligible Retirement Capital to Review Real Estate-Backed Private Lending Opportunities
Some investors have retirement capital in a Roth 401(k), former employer retirement plan, designated Roth account, or self-directed retirement account and want more control over where that capital is deployed.
Through a qualified self-directed Roth IRA custodian, plan administrator, or approved retirement account provider, eligible investors may be able to roll over or transfer qualifying retirement funds and review specific real estate-backed private lending opportunities with InterCapital Funding.
InterCapital Funding does not hold retirement funds, process rollovers, act as a custodian, or provide tax, legal, securities, retirement, or investment advice.
Real Estate Exposure Without Becoming the Landlord
InterCapital Funding gives qualified investors and capital partners access to deal-specific private lending opportunities tied to business-purpose real estate transactions.
These opportunities may include:
- Rehab loans
- Bridge loans
- Fix-and-flip loans
- Rental property loans
- DSCR-style loans
- Other investor real estate loans
Investors are not buying rental property directly, managing tenants, supervising contractors, or handling repairs. Instead, they may review specific private lending opportunities secured by real estate collateral.
How the Process Works
1. Speak with Your Retirement Account Professional
Confirm whether your Roth 401(k), designated Roth account, or eligible retirement account can be rolled over or transferred to a qualified self-directed account.
2. Establish the Proper Account Structure
Work with an approved custodian, trustee, or administrator that permits real estate-backed private lending transactions.
3. Review Specific InterCapital Opportunities
Review the borrower profile, collateral, lien position, loan terms, documents, and risks before deciding whether to participate.
4. Fund Only Through Approved Channels
Retirement account funds should move through the approved custodian, title company, escrow agent, closing attorney, or other approved settlement party connected to the specific transaction.
5. Receive Servicing and Payment Updates
If the borrower performs, payments are made according to the loan documents, custodian requirements, and transaction structure.
Potential Target Returns
InterCapital Funding’s private lending opportunities may offer a potential target annual return range of 12% to 15%, depending on the deal structure, borrower, collateral, lien position, loan term, payment structure, and risk profile.
Returns are not guaranteed. Actual income may be prorated based on the loan term, closing date, payoff date, and payment structure.
Transaction Safeguards
Each opportunity may include structured safeguards such as:
- Deal-by-deal review
- Real estate collateral
- Title or escrow closing process
- Promissory note
- Mortgage or deed of trust
- Assignment of rents, when applicable
- Insurance requirements
- Controlled rehab draws, when applicable
- Spring Management protections, when applicable
- ACH payment monitoring
- Servicing and payment-status updates
Investor funds are not held directly by InterCapital Funding. Funds are wired through approved closing channels connected to the specific transaction.
Important Retirement Account Considerations
Before using Roth 401(k), self-directed Roth IRA, or other retirement account funds, investors should confirm:
- Whether the current plan permits a rollover or transfer
- Whether the receiving custodian allows private lending or real estate-backed investments
- Whether the transaction could create prohibited-transaction concerns
- Whether the investment fits the investor’s tax, retirement, liquidity, and risk profile
- Whether all documents should be signed by the custodian, trustee, or retirement account entity rather than the investor personally
InterCapital Funding does not determine rollover eligibility or tax treatment. Investors should consult their own tax advisor, retirement account custodian, legal counsel, and financial professional.
Capital With Purpose
Private capital can be used as a practical tool to help restore distressed properties, support local developers, stabilize blocks, improve housing conditions, and rebuild underserved communities.
For retirement account investors, this may provide a way to connect long-term capital with real estate-backed opportunities and measurable neighborhood impact.
Who This May Be For
This may be appropriate for qualified investors who:
- Have eligible retirement capital
- Want real estate-backed income potential
- Prefer deal-by-deal review
- Do not want landlord responsibilities
- Understand private lending risk
- Do not need immediate liquidity
- Are willing to work through a qualified custodian or administrator
- Want their capital connected to both financial purpose and community impact
Important Risk Disclosure
Private real estate lending involves risk. Returns are not guaranteed. Borrowers may default, payments may be late, collateral values may decline, rehab projects may be delayed, title issues may arise, insurance may not fully protect the collateral, market conditions may change, and exit strategies may fail.
Retirement account investing also involves tax, legal, custodian, rollover, prohibited-transaction, and compliance considerations. Investors should consult their own legal, tax, securities, retirement, accounting, and investment advisors before participating.
Participation is subject to deal-specific documents, underwriting, risk review, custodian approval, title review, funding instructions, and applicable law.
Request a Roth 401(k) / Retirement Account Investor Overview
To learn more about InterCapital Funding’s private real estate lending platform and how eligible retirement account investors may review upcoming opportunities, request a confidential investor introduction.
Call: 248-955-1234
Direct: 248-978-5199
Email: Letsclosenow@icfunding.org
Website: www.icfunding.org