How can I use a self-directed IRA to invest in real estate through a mortgage?

You can use a self-directed IRA to invest in real estate through a mortgage by setting up a self-directed IRA account with a custodian that allows real estate investments. Once your account is established, you can use the funds in your IRA to purchase real estate by taking out a mortgage. The property purchased will be owned by your IRA, and any income or gains from the investment will go back into your IRA tax-deferred or tax-free, depending on the type of IRA you have.