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Lasaii Offers an Alternative Method for Using your IRA Funds


May 31, 2013 • Fenny Peiffer

New Homes

Lasaii offers an alternative method for using your IRA funds to support the purchase of real estate. The key difference between our program and other IRA real estate investment programs is that with the Lasaii program you can occupy your property. You can apply your SAFE HARBOR®-Directed IRA™ to any real estate asset—a primary residence, a second home, a vacation rental, or an investment property. You can even use it to support existing mortgage payments for the home you occupy now.

There are several alternative IRA real estate investment plans out there, so why should you choose Lasaii?

Here are the top 5 reasons Lasaii’s program beats the competition:

1.     Occupancy: The key difference between Lasaii’s program and other IRA real estate investment programs is that with our program you can occupy your property you purchase. You can apply your SAFE HARBOR®-Directed IRA™ to any real estate asset – a primary residence, a second home, a vacation rental, or an investment property. You can even use it to support existing mortgage payments for the home you occupy now. An IRA real estate investment structured with Lasaii’s proprietary OUTSIDE® method allows you to take control of your real estate and enjoy all the benefits that come with the personal freedom of holding the title in your own name.

2.     Increased Cash Flow: We can assist you in structuring your SAFE HARBOR®-Directed IRA™ to provide additional monthly income as needed for your real estate. You can apply this additional cash flow to an existing or new mortgage payment, to property taxes and insurance, or to homeowner association (HOA) dues; you can even use it toward the cost of remodeling or repairing your home.

3.     Mortgage Relief: If you’re having trouble meeting your mortgage payment, Lasaii’s program could provide the additional cash flow you need. We can structure your SAFE HARBOR®-Directed IRA™ to provide additional monthly income to apply to an existing mortgage payment, property taxes, and insurance.  Application of your IRA can tide you over during this transition time.  No penalties or payback schedule apply to this process.

4.     Legacy: Many IRA holders don’t know that their beneficiaries may pay as much as 70 cents on each dollar when they inherit IRAs between paying the estate tax and income tax. Will this happen to your family? If you use Lasaii’s program to purchase real estate, when you pass this property to your heirs by will or trust, any appreciation that has taken place up to the time of your death will be sheltered from capital gains tax (“step-up in basis”). Any gain from this point on will be taxable as capital gains upon the sale of the property. If the total value of the inherited estate is within the allowed inheritance tax exemption rules, there will be no inheritance tax due. In contrast, an IRA passed to heirs becomes liable for income tax at cost basis and is not sheltered by the inheritance tax exemption rules.

5.     Charitable Giving: Our unique Charitable Legacy Plan™ is designed around an IRA real estate structure specifically for philanthropic families.  The structure allows you and your family to enjoy your real estate during your lifetime, offers numerous benefits to pass on to your heirs, and donates to the charity of your choice as your legacy.

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