Skip to content
×
Try PRO Free Today!
BiggerPockets Pro offers you a comprehensive suite of tools and resources
Market and Deal Finder Tools
Deal Analysis Calculators
Property Management Software
Exclusive discounts to Home Depot, RentRedi, and more
$0
7 days free
$828/yr or $69/mo when billed monthly.
$390/yr or $32.5/mo when billed annually.
7 days free. Cancel anytime.
Already a Pro Member? Sign in here

Join Over 3 Million Real Estate Investors

Create a free BiggerPockets account to comment, participate, and connect with over 3 million real estate investors.
Use your real name
By signing up, you indicate that you agree to the BiggerPockets Terms & Conditions.
The community here is like my own little personal real estate army that I can depend upon to help me through ANY problems I come across.
Tax, SDIRAs & Cost Segregation
All Forum Categories
Followed Discussions
Followed Categories
Followed People
Followed Locations
Market News & Data
General Info
Real Estate Strategies
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Real Estate Classifieds
Reviews & Feedback

Updated about 12 years ago on . Most recent reply

User Stats

221
Posts
49
Votes
Sandy Blanton
  • Residential Real Estate Broker
  • Pensacola, FL
49
Votes |
221
Posts

WTH do I do with my SD401K Cash? Post-Ubit are the SD accounts worth the trouble?

Sandy Blanton
  • Residential Real Estate Broker
  • Pensacola, FL
Posted

I love having lots of cash in a retirement account, safe from creditors and bankruptcy. But after learning about UBIT, i'm unsure what to do. Ideally at this time I'd like to flip. We're earning 200% annually cash on cash return on our flips (outside the retirement account). From what I'm hearing it's not worth doing them inside an SD account? It seems the safe/best? activity for SD funds is doing hard money deals for others. But, we can't make more than 20% apr on these deals.

Steven Hamilton II please share your infinite wisdom on this. Thanks folks:)

Most Popular Reply

User Stats

8,794
Posts
4,382
Votes
Bryan Hancock#4 Off Topic Contributor
  • Investor
  • Round Rock, TX
4,382
Votes |
8,794
Posts
Bryan Hancock#4 Off Topic Contributor
  • Investor
  • Round Rock, TX
Replied

Who cares if you have to pay UBIT? That is the tax tail wagging the dog. Making more money is good even if you have to pay more taxes.

I like the solo K as the best tax deferred vehicle....for my situation at least. The Nabers Group and Sunwest Trust are good options here.

Loading replies...