What this is
Education and referral only
Survival 401K is not a lender. We do not underwrite, we do not approve or decline loans, we do not set rates or terms, and we do not guarantee that financing will be available to you or to any property. Any credit decision is made solely by an independent third party under its own criteria.
We also do not recommend specific investments or properties. What we can do is explain, in general terms, how different funding structures tend to work, which questions to ask a lender, and how retirement-plan rules interact with property purchases - including prohibited-transaction and disqualified-person rules you should review with your own tax adviser or attorney.
Using retirement-plan assets in connection with real estate carries specific legal and tax risk, including prohibited-transaction rules and unrelated business taxable income. Nothing here is legal, tax, investment or lending advice, and no outcome, approval, rate or return is promised.
Topics covered
What the funding programme explains
- General categories of investment-property funding and how they typically differ
- The documentation independent lenders commonly request from self-employed borrowers
- How plan-owned property differs from personally owned property in general terms
- Questions to ask before signing anything, and who should review it
- Where plan rules require you to involve your own tax adviser or attorney
Explore the funding programme
This link opens the Survival 401K funding site in a new tab. You are leaving this informational site and entering a separate secure system operated for Survival 401K.
Questions about how this fits your plan? Contact us.
Loan-use categories
What investors typically seek funding for
General categories only. Availability, structure and pricing are set by independent lenders, not by Survival 401K.
Rental property purchase
Acquisition financing for single-family or small multifamily rentals held for income.
Short-term or bridge
Interim financing while a property is repositioned, refinanced or sold. Typically shorter and priced accordingly.
Renovation and rehab
Funding structured around a scope of work, often released in stages against completed milestones.
Refinance and cash-out
Replacing existing debt, or releasing equity from a property already held, subject to the lender's valuation.
New construction
Draw-based funding tied to build stages, with the lender's own inspection and release conditions.
Portfolio or blanket
A single facility covering several properties, used by investors consolidating multiple loans.
Qualification
What lenders commonly look at
Every lender sets its own criteria. These are the items self-employed borrowers are most often asked about.
- The property itself: type, condition, location and the lender's valuation
- Deposit or equity contribution, and where those funds come from
- Credit profile, and the lender's own minimum thresholds
- Experience with comparable projects, particularly for construction and rehab
- Income documentation, which for self-employed borrowers is often bank statements, returns or a rent schedule
- Entity details where the borrower is an LLC rather than an individual
- Exit plan: how the loan is intended to be repaid or refinanced
Process
How an enquiry usually runs
- 1
Education first
We explain how the general funding categories differ and where retirement-plan rules change the picture.
- 2
You submit an enquiry
The intake form opens in our funding system. You provide the property and borrower details there, not on this page.
- 3
An independent lender reviews it
Underwriting, pricing, conditions and any approval or decline are entirely the lender's decision under their own criteria.
- 4
You review terms with your own advisers
Any loan document should be reviewed by your attorney and CPA before signature. We do not review or approve loan terms.
- 5
Structure stays coordinated
If the property is being held by an entity or a retirement account, the titling and cash flow must match the documents. That part we can help keep straight.