The IRA INCOME Blueprint

How to Earn Steady Monthly Income From Your IRA, Secured by Real Estate

A simple, step-by-step guide showing how everyday investors use a Self-Directed IRA to generate predictable, asset-backed passive income.

What You’ll Learn

☑️ How Self-Directed IRAs Work — and why most investors never hear about them.

☑️ The Private Lending Model — how to earn income as the bank instead of the landlord.

☑️ Real Numbers — a simple example of a $40K note paid over 5 years.

☑️ Safety & Protections — recorded liens, insurance, and title-company closings explained.

You’ll understand the entire process in plain English.

Why SDIRAs + Real Estate Notes Work So Well Together

Most retirement accounts are stuck in stocks, bonds, or low-yield mutual funds.
A Self-Directed IRA gives you control to place your funds in alternative assets, including:

  • Real estate

  • Notes

  • Private loans

  • Land contracts

With private lending, your IRA earns income secured by the property itself.

Simple Model

  • Your IRA funds a small, affordable property loan

  • The note is secured by a recorded lien

  • Monthly payments flow back into your IRA

  • Your IRA balance grows tax-deferred or tax-free

This guide breaks it down step-by-step.

The Opportunity: Affordable Midwest Homes

Not all markets are created equal. Properties under $100K are common in the Midwest, but banks often won’t finance small loans, which creates a gap private lenders can fill. The result:

  • Strong collateral

  • Predictable paydown

  • Clear monthly income

  • Low volatility

The guide includes an example of a fully amortized 5-year note used on one of these homes.

Safety & Protections (Explained in the Guide)

In the guide, you’ll learn how private lenders use:

  • Recorded liens (your IRA is the secured creditor)

  • Title company closings (full transparency)

  • Insurance protections

  • Clear monthly payment schedules

  • No tenants, no rehab, no property management

Everything is explained simply so you can understand how the protections work.

About Earn With Homes

At Earn With Homes, we help everyday investors understand how private lending works, especially through Self-Directed IRAs.

We focus on simple, secured, affordable-housing notes that are easy to understand and backed by real property.

My goal is to educate you clearly so you can make confident decisions about your retirement funds.

 

Dan Wilson

Dan is a full-time real estate investor and former Air Force officer with 14 years of service. He owns 24+ rental properties, has completed more than 100 real estate transactions, and believes affordable housing and private lending are two of the most reliable paths to long-term wealth.

Already familiar with private lending and want to understand how our process works?

Book a quick 10-minute intro call