USA Property LLC
Investing in US Property with SMSF
Investing in US property with SMSF is a strategic way to grow your retirement wealth. At SMSF Depot, we help you legally structure and manage international real estate investments using a U.S. LLC. This method ensures compliance with both ATO and IRS rules while offering strong diversification for your Self-Managed Super Fund.
Why SMSF Must Use an LLC to Buy Property in the U.S.
When your SMSF wants to buy U.S. real estate, the IRS doesn’t allow foreign trusts, including SMSFs, to hold the property title directly. Instead, your fund must use a Limited Liability Company (LLC).
This structure:
Fulfills U.S. legal requirements
Protects your SMSF’s other assets
Helps reduce double taxation risks
Simplifies ongoing reporting
For example, buying a home in Florida through an LLC lets you manage rental income within a legal and tax-efficient framework.
How to Structure Your SMSF for a US Property Investment
Here’s how we structure investing in US property with SMSF:
Your SMSF owns an Australian holding company
The holding company owns a U.S. LLC
The LLC owns the U.S. property
Structure Flow:
SMSF → Holding Company → U.S. LLC → Property
This setup satisfies both Australian and American rules. It also separates liabilities, keeps compliance straightforward, and aligns with ATO guidelines.
Steps to Prepare Your SMSF for Overseas Investment
To get started, you must:
Check your SMSF Trust Deed – confirm it allows overseas property
Update your investment strategy to include U.S. property
Form your U.S. LLC correctly, with IRS compliance
Track all financial records and contracts
Submit U.S. and Australian tax returns as required as required
Structure Flow:
SMSF → Holding Company → U.S. LLC → Property
This setup satisfies both Australian and American rules. It also separates liabilities, keeps compliance straightforward, and aligns with ATO guidelines.
Why Choose SMSF Depot?
We make investing in US property with SMSF simple and compliant. SMSF Depot helps with:
Setting up your LLC and holding company
Ensuring your fund follows all ATO rules
Providing SMSF accounting and tax return services
Managing IRS filings and document compliance
We support your journey from setup to annual reporting saving you time and risk.
Frequently Asked Questions
Can I get a loan through my LLC?
Yes. You can borrow under a Limited Recourse Borrowing Arrangement (LRBA), which protects the rest of your SMSF assets.
Is investing in U.S. property with SMSF legal?
Yes. It’s legal and widely used, provided your structure follows both Australian and U.S. rules.
Start Investing in US Property with SMSF Today
With proper structure and guidance, your SMSF can safely invest in international property. Let SMSF Depot take care of the setup, so you can focus on returns.
Get in touch with us today to get started with your U.S. property strategy.