Did you know you can use your IRA to fund your dream property in Mexico? Turn retirement savings into a Riviera Maya investment.
If you've been dreaming about owning a home in paradise but assumed your retirement funds were off-limits, here’s something that might surprise you: it's entirely possible to use your U.S.-based IRA to invest in real estate in Mexico — including beachfront condos, jungle villas, or rental properties in high-growth destinations like Tulum, Playa del Carmen, or Akumal.
This isn’t some loophole. It's a legal, IRS-approved strategy using a Self-Directed IRA (SDIRA). Let’s break down how it works.
What Is a Self-Directed IRA?
Unlike regular IRAs that limit you to stocks and mutual funds, a Self-Directed IRA gives you the freedom to invest in alternative assets — including real estate, precious metals, private companies, and more.
How Can You Use an IRA to Buy Property in Mexico?
It’s a simple structure, though it must be handled carefully. At BuyPlaya, we will guide you through each step.
Click here to get in contact with one of our SDIRA experts.
Is This Strategy Legal? Absolutely.
The U.S. tax code allows for this structure — you just need to work with the right professionals: a qualified SDIRA custodian, a lawyer or CPA familiar with cross-border investments, and a real estate advisor who understands both the U.S. and Mexican systems. (That’s where we come in.)
Let’s Make Your Retirement Work for You
If you're contributing to your IRA year after year and letting it quietly grow, maybe it's time to let it work harder. Real estate in the Riviera Maya is more than just a dream — it's a smart, long-term investment. And yes, your retirement account might just be the key.
Curious to learn more? Contact us and we’ll help you explore the steps to make this strategy work — legally, efficiently, and with full peace of mind.
Aarón is a born and raised "chilango". After finishing his university studies, what started as a social service trip became his new home and where he started a family in Playa del Carmen. He enjoys the delicious food and culture of the Yucatan peninsula with his wife, daughter, and son. As a professional, he has made a career as a specialist in social networks and electronic media, helping the companies he has worked for to efficiently achieve all their objectives in the medium.