Some of you have invested in real estate with your retirement accounts, either syndications or all-cash. But what if you want to buy a duplex and use money in your IRA for a down payment? The challenge is the lending. Banks often want a personal guarantee, but the IRS does not allow you to give that if the asset is held in your retirement account. Another challenge is owning real estate within an LLC vs holding in your personal name. Banks often will not lend to LLCs. First Western Federal Savings Bank, based out of Rapid City, SD, is one of the few lenders in the nation that provides this kind of lending. They provide non-recourse loans and specializing in lending to individual retirement accounts for real estate. The LTV and interest are not the same as conventional loans. We will hear for the bank's founder, Roger St. Pierre, who has over thirty years of lending experience. Find out how this unique financing works.