How to Buy Real Estate With Your IRA | College-Town Investing Strategy for Parents & Investors

Can you use your IRA to buy real estate in a college town like Tuscaloosa? In this episode of College Real Estate Coach, Vikki Grodner sits down with Christina Babineaux of IRA Innovations to explain how parents and investors are using self-directed IRAs to purchase student housing and investment properties near the University of Alabama and other high-demand college markets. If you’re considering buying a property for your college student, investing in game-day rentals, or diversifying your retirement portfolio beyond stocks and bonds, this conversation walks through what you need to know. In this episode, you’ll learn: • What a self-directed IRA is • How to purchase real estate inside your retirement account • IRS rules around self-dealing and family restrictions • How rental income and expenses are handled • How non-recourse loans work inside an IRA • Why there are no capital gains taxes within an IRA • The importance of planning and funding your account properly This episode is ideal for: • Parents buying property for college students • Long-term buy-and-hold investors • Self-employed professionals with SEPs or Solo 401(k)s • Out-of-state investors exploring Tuscaloosa real estate If you're exploring college-town investing strategies in Alabama — especially near the University of Alabama, UAB, or Auburn — this episode provides clarity and practical guidance. Can you really use your IRA to buy real estate in Tuscaloosa or other high-demand college towns? In this episode of College Real Estate Coach, Vikki Grodner sits down with Christina Babineaux of IRA Innovations to explain how parents and investors are using self-directed IRAs to purchase college-town properties — including student housing and game-day rentals. If you're exploring Tuscaloosa real estate, college-town investing, parent purchases, or long-term wealth strategies near the University of Alabama, this episode walks through the rules, structure, and strategy. What you'll learn: • What a self-directed IRA is and how it works • How to purchase real estate inside your retirement account • Rules around self-dealing and family restrictions • How expenses, rent, and property taxes are handled • Whether you can use financing (non-recourse loans explained) • Why there are no capital gains inside an IRA • Planning mistakes to avoid If you’re a parent thinking about buying a property for your college student — or an investor looking for tax-advantaged strategies in Alabama college towns — this conversation could change how you view retirement investing. Christina Babineaux Vice President, IRA Innovations, LLC 205.985.0860 Office 205.985.8674 Fax irainnovations.com Follow Christina on social: LinkedIn Facebook IRA INNOVATIONS FACEBOOK IRA INNOVATIONS INSTAGRAM   📞Contact The College Real Estate Coach team: Vikki Grodner - 205.422.9713   Follow us on Social: Facebook IG: @hospitalitynetworkgroupkw TikTok: @hospitalitynetworkgroup