Welcome!
Craft Midpoint is your bite‑sized source of insight between our monthly project updates- delivered straight to your inbox. Think of it as your mid-month check-in, where we share a quick tip, story, or lesson from the building and lending world. It’s all about keeping you connected, informed, and a step ahead- without the fluff!
Make Your 401(k) Work Harder by Investing Smarter
Your Retirement Could Be Doing More
Diversification is key to a balanced investment strategy. You know the old saying, “don’t put all your eggs in one basket.” Among your other investments, real estate can be a great way to strengthen your portfolio and create steady, asset-backed returns.
Many investors don’t realize that an old 401(k) can be rolled into a Self-Directed IRA (SDIRA), a tax-advantaged account that lets you invest beyond traditional stocks, bonds, and mutual funds.
Types of SDIRA’s:
- Traditional: Contributions are tax-deferred; you pay taxes on withdrawals in retirement.
- Roth: Contributions are after-tax; withdrawals in retirement are generally tax-free.
For busy professionals or retirees seeking both security and growth, this can be a powerful way to put your money to work while maintaining a conservative approach. Your funds can grow tax-deferred or tax-free, compounding over time while staying sheltered from taxes.
For private lenders, an SDIRA also allows retirement dollars to earn strong, consistent, returns on real estate-backed investments while staying compliant with IRA rules and regulations.
Diversify, Educate, and Earn
An SDIRA opens the door to diversified investment opportunities beyond the ups and downs of the stock market. By using retirement funds to lend on secured real estate projects, you can:
- Reduce exposure to market swings
- Put idle retirement capital to work in high-yield, asset-backed opportunities
- Retain flexibility and control over investment timing, duration, and risk profile
It’s a chance to educate yourself on retirement strategies that empower you to make smarter, more active investment decisions, while creating a predictable income stream through private lending.
Main Considerations for SDIRA Investors
Custodian Requirement: SDIRAs must be held by a qualified custodian or trustee to maintain tax-advantaged status.
Prohibited Transactions: Avoid self-dealing, investing in property you personally use, or dealing with disqualified persons (family, yourself, certain business partners:. You can read more about this topic here.
Risk Management: Work with a qualified custodian and financial advisor, and maintain proper documentation for all loans, liens, and insurance. The IRS maintains a list of approved nonbank custodians, which you can access here: IRS Approved Nonbank Trustees & Custodians
Lending With Us
At Craft Property Solutions, our private lending opportunities are built on compliance, transparency, and security, so you can invest with confidence.
Security and Protection: Your capital is backed by real property and secured through our 3 Points of Protection: Promissory Note, Deed of Trust, and Hazard Insurance Policy.
Turnkey Experience: We handle every stage of project management, allowing you to invest confidently without day-to-day involvement.
Predictable Returns: Structured loans typically yield around 10% annually, with clear repayment schedules and defined terms.
Transparency & Communication: You’ll receive monthly updates on project progress and investment performance, keeping you informed every step of the way.
We’re passionate about creating win-win opportunities that help our lenders grow their wealth in a secure, meaningful, and fully passive way, while earning double-digit returns backed by real property.
Take the Next Step
If you’re curious about how a Self-Directed IRA could help you invest with us, I’d be happy to walk you through the basics and connect you with a qualified custodian who can answer all of your questions. They can guide you through the rollover process, explain the rules, and outline the opportunities available for investing your retirement dollars in alternative assets like ours. When you’re ready, we can talk about potential lending opportunities and explore how your retirement funds can work harder for you!