Lending Using Multiple IRA Accounts

[Sandy Uhlmann]

When combining funds with another IRA for an investment such as being a lender/co-lender for the purchase of property, do funds have to be distributed back to the IRA based on the percentage of money invested or can it be based on the actual amount contributed or can funds be distributed based on percentage of OWNERSHIP which I assume would require some kind of agreement between the two lending parties. I see all the time when people are trying to grow small IRA accounts they "piggyback in" to someone who is the main money investor because perhaps they found the deal. How is this accomplished?

Is there a way for the points in a private lending deal to go back into the IRA of the IRA owner that found the deal and the rest of the funds be distributed based on the percentage of money put into the deal?

Thanks for the response!