What Is an SDIRA and Why Buyers Use One

A Self-Directed IRA lets qualified buyers hold Costa Rica real estate inside a U.S. retirement account, growing rental income and appreciation tax-deferred or tax-free.

Did you know you can buy Costa Rica real estate using your U.S. retirement account?

A Self-Directed IRA (SDIRA) lets you hold real estate — not just stocks — inside your retirement account. That means:

• Rental income and appreciation grow tax-deferred, or tax-free in a Roth SDIRA
• You're investing retirement funds you already have, not new cash
• Costa Rica real estate qualifies as an alternative asset under SDIRA rules

Not Every Buyer, But Worth a Look

It's not for every buyer — there are rules around personal use and prohibited transactions. An SDIRA-held property generally can't double as your own vacation home, and transactions with disqualified persons (yourself, close family, certain business partners) can jeopardize the account's tax-advantaged status. Custodial fees, cash-flow requirements, and the mechanics of an ownership structure that satisfies both IRS rules and Costa Rican title conventions also deserve careful review with a qualified custodian and tax advisor before you commit funds.

But for the right investor, it's one of the most overlooked ways to build a Costa Rica portfolio — retirement dollars already earmarked for growth, deployed into a market with strong rental demand and long-term appreciation.

Ask me how it works with a specific property.

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