SDIRA Real Estate Lending · Private Credit

The lender built for your self-directed IRA

Thunderbird Credit specializes exclusively in non-recourse real estate loans for self-directed IRAs. If your IRA holds or is acquiring income-producing real estate, you've found the right lender.

Submit a Deal View Loan Parameters ↓
$1M
Maximum Loan Size
65%
Maximum LTV
1.25x
Minimum DSCR
6mo
Reserve Requirement

Loan Parameters

Simple terms. No surprises.

SDIRA real estate loans don't need to be complicated. Here's exactly what we lend on.

Loan Size
$1M
Up to $1,000,000 per transaction
Loan-to-Value
65%
Maximum LTV on qualifying real estate
DSCR
1.25x
Property must cover its own debt service
Collateral
Real Estate
Income-producing property held within the SDIRA
Reserves
6mo
Minimum reserves held within the IRA
Loan Purpose
3 Types
Acquisition · Cash-out refinance · Bridge / Delayed financing

Who We Serve

If your IRA owns real estate, we're your lender.

Thunderbird Credit exists for one type of borrower — the self-directed IRA holder who wants to put their retirement capital to work in real estate.

  • SDIRA holders acquiring income-producing real estate inside their IRA
  • Self-directed investors refinancing existing IRA-held property to fund additional acquisitions
  • IRA holders using bridge or delayed financing to close quickly and season equity
  • Investors holding single-family rentals, small multifamily, or light commercial real estate in their SDIRA
  • Clients referred by SDIRA custodians seeking a dedicated, compliant lending partner

Why Thunderbird

The fastest path from application to close.

Most lenders treat SDIRA loans as an afterthought. We built our entire process around them.

01
Built for SDIRAs
We don't adapt a conventional loan process to fit your IRA. We built from scratch for this structure — understanding prohibited transaction rules, custodian requirements, and IRA-specific compliance at every step.
02
Decisions at Speed
We use AI-driven underwriting to analyze your deal faster than any lender in this space. Less waiting, less back-and-forth, more certainty. Your IRA shouldn't miss a deal because a lender moves slowly.
03
Bank-Grade Standards
Our credit standards are built on institutional banking principles — conservative LTV, verified DSCR, structured reserves. Rigorous enough to protect your IRA, straightforward enough to close without unnecessary friction.

Submit a Deal

Your IRA found its lender.

Submit your deal in minutes. We review every submission and respond within one business day — no gatekeeping, no runaround.

Begin Application

Thunderbird Credit is a private lender. All loans subject to credit approval and applicable regulations. This website does not constitute an offer to lend. SDIRA lending involves complex tax and legal considerations — consult your tax and legal advisors.