If you hold an IRA, or a 401(k) from an employer you have left, you can likely direct part of it into the same apartment communities our investors own. No distribution, no early withdrawal penalty, and the tax treatment stays intact.
Source: Investment Company Institute, "Quarterly Retirement Market Data, First Quarter 2026" (released June 18, 2026). IRA and 401(k) balances are as of March 31, 2026; the IRA share of the retirement market is as of year end 2025. These figures describe the size of the market. They are not our figures, they imply no return, and they say nothing about the performance of any Mila Penn Chazak offering.
A retirement account does not need to be liquid next quarter. That is exactly the horizon a well-run apartment community asks for, and the reason so many of our investors fund with one. Most of that $18.2 trillion sits in the same handful of index funds it has sat in for a decade, not because that is optimal, but because the default custodian only offers what it offers.
Your account holds a share of a physical apartment community with residents, leases and a rent roll behind it, rather than a line on a brokerage statement.
Rental income and any eventual sale proceeds flow back into the account. In a Traditional IRA that growth is tax-deferred; in a Roth it can be tax-free. Confirm the specifics with your CPA.
A professional team handles leasing, maintenance, renovations and reporting. Nothing about the property lands on your desk, which for a working physician is the entire point.
Property does not move in lockstep with stocks and bonds. Holding part of your retirement outside the market changes the shape of the whole portfolio.
Apartment leases reset roughly every year, so income has a chance to keep pace with the cost of living in a way a fixed coupon cannot.
We underwrite to a five year hold. Capital you are not planning to touch until retirement is well suited to that timeline, which is exactly why so many of our investors fund this way.
Transfer all or part of the balance into a self-directed account. Growth stays tax-deferred.
Same mechanics, and qualified growth can come out tax-free. Worth a conversation with your CPA.
Built for the self-employed and small practices, and eligible in the same way.
From an employer you have left. This is the single most common source of funding we see.
One caveat worth knowing up front: a 401(k) with your current employer usually cannot be moved until you leave, though some plans allow an in-service rollover. Your plan administrator will know in about five minutes, and it is the first thing to check.
None of this is complicated, but it is unfamiliar, and unfamiliar is where people stall. Here is the whole process end to end.
A standard brokerage IRA cannot hold private real estate. You open a self-directed account with a custodian that can. We will point you to the ones our investors already use.
Move funds by direct transfer from an existing IRA, or roll over an old employer plan. It is handled custodian to custodian, so it is not treated as a distribution to you.
Review the offering materials, ask us anything, then subscribe. The paperwork is signed by the retirement account as the investor, not by you personally.
Cash flow and any eventual sale proceeds are paid to the account rather than to you, which is what keeps the tax treatment intact.
Anyone can write the upside. These are the parts that catch people out, and you should know them before you fill in a single form.
Title, subscription documents and every distribution sit with the retirement account. You cannot personally use or take a benefit from the property while the account holds it.
Expect a setup fee and an annual account fee. Modest against a typical allocation, but real, and worth comparing between custodians before you choose one.
Multifamily deals usually carry a mortgage, and the debt-financed share of income inside an IRA can trigger unrelated business income tax. Often small, sometimes not. Ask your CPA before you commit.
Opening an account and moving funds can take a couple of weeks. If an offering is filling, start the paperwork early rather than at the deadline. Harmony Grove filled in 65 days.
Send us a note with the type of account you hold and roughly what you are considering. We will tell you plainly whether it can be used, what it would involve and what it would cost, before you commit to anything.
Mila Penn Chazak is not a tax adviser, an accountant, a law firm or an IRA custodian, and nothing on this page is tax, legal or investment advice. The rules governing retirement accounts depend entirely on your own circumstances, and this page describes them in general terms only. Please confirm any decision with your own CPA, attorney or financial adviser before acting.
Retirement market figures are sourced from the Investment Company Institute, "Quarterly Retirement Market Data, First Quarter 2026" (released June 18, 2026), and are presented to describe the size of the market, not to imply any return, allocation or outcome. They are not our figures and say nothing about the performance of any Mila Penn Chazak offering.
This webpage is for informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to purchase, any securities. Any offering of securities will be made only pursuant to a formal offering memorandum, private placement memorandum, and/or subscription agreement containing important information including material risk factors, fees, and potential conflicts of interest. Opportunities are available exclusively to "accredited investors" as defined under Rule 501(a) of Regulation D under the Securities Act of 1933. Investments in private real estate syndications are illiquid, speculative, involve a high degree of risk, and may result in the partial or complete loss of invested principal. Investors hold membership interests in the deal entity rather than title to the underlying property. Past performance is not indicative of future results. © 2026 Mila Penn Chazak. All Rights Reserved.