Investing in Commercial Real Estate through Your Retirement Account

Investing in Commercial Real Estate through Your Retirement Account

May 6, 2019

Shake Up Your IRA with a Dash of CRE
Depending on your appetite, the right amount of commercial real estate (CRE) can serve as a low-correlated diversifier to spice up a traditional stock and bond combo.

Why Commercial Real Estate?

Why should an investor consider CRE? We did a pretty substantial breakdown of the top reasons to invest in commercial real estate in another blog post, but the top four boil down to:

  1. CRE Investors are Directly Exposed to the Strong US Economy
  2. CRE Offers Comparatively High Income Returns
  3. CRE Adds Portfolio Diversity While Lowering Risk
  4. CRE is the Third Largest Asset Class in the US

If you’re new to the world of commercial real estate and want to learn more about this asset class, we highly advise you read this blog post and also download our e-book.

Once you’ve educated yourself, head on back over here to read more about how you can access CRE investments in your retirement portfolio.

And for those of you already convinced that CRE is an asset class you want to read about, keep scrolling!

Take Control and Self-Direct Your Retirement Funds

People often refer to retirement investment products as “vehicles,” yet most investors are more than happy letting someone else jump in the front seat and drive said vehicle for them.

If you had a $2.3 million car, would you just sit in the backseat and let the guy from the dealership drive you around all day? Probably not.

But that’s what happens with many retirement accounts. Some investors work for decades to save up as much money as they can.

Then, after all that hard work, they usually do one of two things:  they turn investment decisions over to an advisor; or, if they’re managing their own accounts, then end up investing in mutual funds where a fund manager is making decisions for them.

That said, for investors who don’t want to be so passive with their retirement savings, there are alternatives.

Instead, investors can choose to work with a custodian to directly manage their retirement funds using a Self-Directed IRA (SDIRA).

What is a SDIRA?

Rather than being limited to the traditional stocks, bonds and mutual funds available from their online brokerage account, an investor has the freedom to put their money into a far wider range of asset classes.

With their SDIRA, an investor can invest in real estate, private securities, limited partnerships, precious metals, commodities, crowdfunding investments and more.

Recognizing some investors might prefer to have the flexibility to direct their retirement savings in the specific way they see fit, iintoo has decided to work with a custodian to provide our members with this SDIRA option.

Defer Taxes

Now instead of being limited to only investing new funds into properties on our iintoo platform in a taxable account, members can rollover their IRA funds into a SDIRA and can start investing with the tax-deferred benefits of a retirement account.

That means if you have gains or dividends on any of your real estate investments, you’ll be able to defer taxes until withdrawal. Which for some investors is decades away. So any gains (if there are any; all investing comes with risk!) can compound for years before a tax bill comes due.

Of course, when the time comes, you’ll still want to consult with your tax professional, but until withdrawal any gains can be reinvested into your investment to potentially grow tax-free.

Get an extra level of  equity protection* on your retirement portfolio

If you decide to invest with iintoo, not only can you choose which specific real estate properties you invest in, but you can also choose to diversify into one fund with a mix of different commercial real estate asset classes handpicked by our expert team.

With our epiic L.P. 1 fund, you can gain direct access to premium real estate investment opportunities with equity protection*.

*There are risks associated with investing and principal loss is possible. Certain restrictions and limitations apply. Refer to our full disclaimer.

Go here to learn more.

Learn more about our epiic fund

Enjoy Smart, Strategic Retirement Benefits

When you self-direct your retirement funds to commercial real estate investments with iintoo you’ll enjoy several benefits.

Insurance on Your Investment

Backed by an affiliate of the Everest Re Group, Ltd. (NYSE: RE), if you invest in our epiic fund you’ll receive equity protection* on your investment.

Handpicked & Monitored

The iintoo team reviews hundreds of properties but only selects a handful that meet our standards. But we don’t stop there. After funding, we continue to monitor to ensure your investment and its team are doing their job.

Tax-Advantaged Account

If you use a qualified tax-advantaged account, you’ll be able to defer taxes owed on any potential gains and dividends. Plus, you’ll be able to use any gains to re-invest back into your holdings.


A well-balanced portfolio holds a mix of asset classes. Adding commercial real estate to a collection of stocks and bonds can help to add one more asset variable to further diversify your portfolio.

How to Start Investing in a Commercial Real Estate SDIRA

You don’t have to be a Wall Street wizard to open up an account with iintoo and begin the process of self-directing your retirement funds into commercial real estate. Once you reach out to us, we’ll help walk you through every step of the process.

Open an iintoo account

Any individual who qualifies as an accredited investor is able to open a free account with iintoo and begin investing. Either in a retirement or a normal taxable account.

Direct funds through an intermediary custodian

To invest in a retirement account, you’ll direct any existing retirement funds from your existing IRA to our intermediary custodian. We’ll be able to walk you through this quick and easy process. We can work with any custodian, or can recommend our partner, Madison Trust.

Funds held in secure safekeeping account

The custodian will then hold the funds on your behalf until you’re ready to invest them.

Choose your investment

Once you’re ready, you’ll direct the custodian as to how you want to invest your funds with iintoo. They’ll then coordinate your investment with us. As appropriate, we’ll make any income and principal repayments to the custodial account

Review & Reinvest

For any monies you collect, you can reinvest into new investments. Throughout the life of your investments, both you and the custodian will receive ongoing reports so you can always keep track of investments in real time through our online platform.

 Are you interested in exploring some of our investments? Join us today for additional information.

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*When we refer to “Equity Protection” we are referring to an arrangement where iintoo epiic GP LLC, the general partner of each covered issuer (“Covered Issuer”), promises that, even in the event the underlying project is not profitable or records a loss, the investor in the Covered Issuer shall receive a specified amount equal to the original principal investment he/she/it provided (less other amounts already received by such individual investor during the course of the investment) subject, however, to significant limitations including but not limited to repayments for losses in the Covered Issuer are only made up to a maximum amount of funds available from the retention account and the policy (where such policy limit may be less than the total amount invested), repayments are on a first come, first serve basis, and losses are aggregated across Covered Issuers subject to the same retention account and policy. iintoo epiic GP LLC, and not investors, is a party to the policy with Everest Insurance®. As a result, investors have no direct legal rights under the policy. In addition, beyond use of the Equity Protection proceeds from the retention account and the policy, neither iintoo epiic GP LLC nor the Covered Issuer has any obligations to indemnify investors for losses. For more information, please see “Business of the Company—Equity Protection” and “Risk Factors—Risks related to the Equity Protection” in any of our issuers’ private placement memoranda.

The above may contain forward-looking statements. Actual results and trends in the future may differ materially from those suggested or implied by any forward-looking statements in the above depending on a variety of factors. All written and oral forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by the previous statements. Except for any obligations to disclose information as required by applicable laws, we undertake no obligation to update any information contained above or to publicly release the results of any revisions to any statements that may be made to reflect events or circumstances that occur, or that we become aware of, after the date of the publishing of the above.

Private placements of securities accessible through the iintoo™ social network real-estate investment platform (the “Platform”) are intended for accredited investors. Such private placements of securities have not been registered under applicable securities laws, are restricted and not publicly traded, may be subject to holding period requirements, and are intended for investors who do not need a liquid investment. These investments are not bank deposits (and thus are not insured by the FDIC or by any other federal governmental agency), are not guaranteed by and iintoo Investments Ltd. (“iintoo”) or any third party working on our behalf, and may lose value. Neither the Securities and Exchange Commission nor any federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through the Platform. Investors must be able to afford the loss of their entire investment.

Equity securities are offered through Dalmore Group LLC. ("Dalmore"), a registered broker-dealer and member of FINRA/SIPC. Any real estate investment accessible though the Platform involves substantial risks. Any financial projections or projected returns are projections only, and iintoo makes no representations or warranties as to the accuracy of such information and accepts no liability therefor whatsoever.

Investors should always conduct their own due diligence, not rely on the financial assumptions or estimates displayed herein, and should always consult with a reputable financial advisor, attorney, accountant, and any other professional that can help them to understand and assess the risks associated with any investment opportunity. Any investment involves substantial risks. Major risks, including related to the Equity Protection and/or the potential loss of some or all principal, are disclosed in the private placement memorandum for each applicable investment.

Neither iintoo nor its affiliates nor Dalmore Group LLC makes investment recommendations nor do they provide investment advisory services, and no communication, including herein or through the Platform or in any other medium should be construed as such.

iintoo, its employees and affiliates are not insurers or insurance brokers, and do not offer insurance services, advice or information to new or existing investors. Insurance is provided to Iintoo epiic GP LLC (and placed through Cobbs Allen, a licensed insurance intermediary) by Everest Insurance®, subject to all of the terms and conditions of the applicable insurance policy, to support iintoo’s equity protection undertaking as further specified and described in the confidential offering materials of iintoo. Everest Insurance® is not a sponsor or promoter of any offering described herein.

The Terms of Use regulating your use of the Platform can be found at: The Platform's Privacy Policy can be found at: By accessing this site and any pages thereof, you agree to be bound by our Terms of Use and Privacy Policy.

About Everest® Everest Re Group, Ltd. is a Bermuda holding company that operates through the following subsidiaries: Everest Reinsurance Company provides reinsurance to property and casualty insurers in both the U.S. and international markets. Everest Reinsurance (Bermuda), Ltd., including through its branch in the United Kingdom, provides reinsurance and insurance to worldwide property and casualty markets and reinsurance to life insurers. Everest Reinsurance Company (Ireland), provides reinsurance to non-life insurers in Europe. Everest Insurance® refers to the primary insurance operations of Everest Re Group, Ltd., and its affiliated companies which offer property, casualty and specialty lines insurance on both an admitted and non-admitted basis in the U.S. and internationally. The Company also operates within the Lloyd's insurance market through Syndicate 2786. In addition, through Mt. Logan Re, Ltd., the Company manages segregated accounts, capitalized by the Company and third party investors that provide reinsurance for property catastrophe risks. Additional information on Everest Re Group companies can be found at the Group’s web site at

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