FUNDING TYPES

Self-directed IRAs are specialized accounts that allow their holders to invest in real estate, among other things. Traditional IRAs are limited to investments in stocks, bonds and mutual funds.

Investing in real estate for your retirement may serve as a means to diversify your retirement portfolio against the recurring changes in the stock market and the economy. Real estate IRA investing opens up a huge range of alternative investments for individuals who work with knowledgeable brokers.

Real estate investments hold the potential to protect against the loss of principal while generating better than market rate returns through income production and capital gains.

KEADA Capital has partnered with Pensco Trust Company, which is the country’s only single-service special asset custodian for self-directed IRAs. Pensco Trust Company has dedicated themselves to specialization, leverage, diversification, investor control, fast funding, and flexibility of your self-directed IRA.

Getting Started

Transfer your account to a third party "custodian" which will act as your intermediary. Once your account has been opened, you can then direct those funds to be used as capital to fund your trust deed investments.

Trust Deed Investments With Your IRA

Once your funds are transferred, notify us of how much you'd like to invest in trust deeds, and hold the funds at your custodian in a short-term investment that can be easily liquidated. When we have a trust deed available that meets your investment objectives, we'll send you information on the investment so that you can decide whether it's right for you. If it is, we'll send you the appropriate documents for signature, and give you instructions to give your IRA custodian on how to transfer funds to the title company holding the escrow for your deed of trust.

More Information on Trust Deed Investments

Interest income is usually tax deferred or, in the case of Roth IRAs, tax-free. Many smart investors understand this concept so they diversify by putting their high-yield, interest-bearing investments into their pension programs so they escape paying current taxes. Putting safe mortgage investments into a retirement plan and getting the benefits of tax deferral or tax exemption is getting the best of both worlds.
Fied income investments usually offer lower yields. However, depending on your tax bracket, they may actually generate more income on an after tax basis than higher yielding taxable investments.
Principal value of investment does not vary. Interest stays constant throughout the term of the loan.
A conservative interest bearing
investment is typically, more secure. Pension programs should generally restrict themselves to relatively “safe” activities.

Investment Prerequisites

Diversification: The investor is committed to the concept of diversity and he or she has both, pension funds and non-pension funds (or personal funds portfolios / personal money) to invest.

The motivation of the pension investor is to keep the money working and to do so safely, whereas the non-pension investor's motivation is to secure the highest rate of return on his or her investment portfolio.

Investment Philosophy

Attractive returns on an investment is attributed to hands on due diligence, rigorous underwriting, senior management involvement and proactive management KEADA Capital wants to provide our investors with superior risk-adjusted results and consistent cash flow over time.

Our borrower clients are in need of hard money loans for both the purchase and refinance of owner-occupied and investment properties, as well as commercial properties and land loans. All client and property credentials are carefully screened and processed to ensure your utmost confidence.

There are numerous scenarios for our borrower clients need for private money.

Our Typical Loan Investment Profiles

We target borrowers in need of fast, non-conforming loans secured by 1st and 2nd Trust Deeds Only.

Property Types Loaned Against:

Single Family Residential and 1 – 4 units, both owner-occupied and investment properties
5-unit to 100-unit apartment buildings
Income Producing Commercial: office, retail, manufacturing, warehousing
Residential and commercial construction lending (with pre-scheduled disbursements according to work progress)