All Forum Posts by: Kylie A.

there is no regulation on Transactional funding basically its whatever you can negotiate.. 1% is the going rate from most.. some will be higher some will be lower.. just google around for TF funding and and talk to a number of those funders to find your best deal.

there are half a dozen of these folks or so on BP that do provide this service maybe they will catch this thread or maybe you do some snooping around on the site and find them.

 States aren't a limitation. The fees vary with the specifics of the deal. Would love to hop on a call and answer your questions. No obligations to you. I sent you a connection request 

 No I am a transactional lender. We fund EMDs and Double closes on wholesale deals for a fee.

for example if you are double closing a property worth 250k and selling it to an end buyer for 300k, you need the full 250k upfront and we can fund that amount.

You got it correct, whatever amount you contribute to the Roth IRA, you can distribute anytime tax and penalty free. IRS Publication 590 is a good resource to examine these items as well.

Regarding your question on how do individuals grow a Roth to those levels when they are limited to only $7,000/$8,000 a year. 1) Creative investing strategies. For example, I have a client who partnered his Roth IRA with only $13,000 with another investor on a $105,000 fix-and-flip. The Roth IRA and his money partner agreed to split the profits 50/50. The Roth IRA, grew from $13,000 to over $47,000 on that one transaction. Now, you can't do this with yourself, your business, and certain family members, due to the prohibited transaction rules governed by the tax code 4975. 2) Some individuals have large pre-tax 401ks that they rollover and then convert to the Roth IRA, paying the taxes now so they dont have to pay later out of the Roth.

Hope this helps, but certainly feel free to reply as you have more questions. 

OP looking at your previous posts you do wholesaling?  If you’re a millionaire liquidity is a small part of your investment strategy since the return is low.  Anything you do is fine since the objective is not higher return.  

Kylie, 

You referenced Roth IRA, so I will provide some education on this topic to hopefully help you:

1) Roth IRA contributions, can be distributed from the Roth anytime tax and penalty free. Many are not aware of this. For example, in 2024, you can contribute $7,000 when under the age of 50, and $8,000 when 50+. Let's say you are 30 years old and you make over the next 10 years, $25,000 in contribution, we shall call this your basis. Let's say you make $20,000 in income from that basis, which of course grows tax-free. Now let's say at the age of 40, you could really use that $25,000 basis. Despite being under the age of 59.5, which is the qualified retirement age, you can distribute the $25,000 because it is after-tax Roth contributions. I like to call this a nice safety net for those that our younger and looking to save but fear locking up all their capital.

2) Keep in mind to contribute directly to a Roth IRA, you need to be under the Modified Adjusted Gross Income (MAGI). For example, in 2024, as a single individual, you make less than $146,000 MAGI, you can make a full contribution to the Roth, $230,000 if married filing a joint return. If you are over these amounts, you can do a backdoor contribution, which is contributing to a Traditional IRA and then immediately converting to a Roth IRA. Keep in mind though, the distributing from basis, won't work in this case, but you still have tax-free Roth savings. There are hardship withdrawal provisions and others that can be exercised if you meet the requirements.

3) If you have access to a workplace plan, like a 401k, with a Roth component, you can consider that as well. 

4) If you setup your Roth with a Self-Directed IRA custodian, they can allow you to invest in assets like real estate, private lending, private equity and other alternative assets.

Worse case scenario you distribute from your Roth early and pay taxes and a 10% penalty. Should not hold one back from contributing. 


Equity Trust Company is a directed custodian and does not provide tax, legal or investment advice. Any information communicated by Equity Trust Company is for educational purposes only, and should not be construed as tax, legal or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional.

Hey Kylie,

Your question hits home for a lot of us trying to make the most of our hard-earned money. Balancing growth with liquidity can feel like threading a needle...

I remember a friend of mine, Lisa, who was in a similar spot. She wanted her investments to grow but didn't want her money locked up for decades. From what I've heard, peer-to-peer lending platorms can offer decent returns and the ability to withdraw funds relatively quickly if needed.

Personally, I've found that investing in short-term real estate projects can be a sweet spot. A few years back, I invested in a fix-and-flip project in Austin that wrapped up in about eight months. It offered a solid return without tying up my capital for too long.

At the end of the day, it boils down to what you're comfortable with. If you're interested in digging deeper into some of these options, especially in the real estate sphere around Austin or Phoenix, I'd love to share more over a coffe chat.

Take care,

Pat

Turning investment visions into REALITY in Phoenix, AZ - Ranked #1 for residential real estate growth and opportunity by PwC

In some states double closing can be a work around because your are actually buying the property, even if it's for a short amount of time. However, for example South Carolina, wholesaling and double closing are now illegal because the intent is the same.
My team has funded a few of those.