Have you considered investing your IRA/401K funds in real estate by using a Self Directed IRA account. There are not many companies providing this service, but one in Boise and SLC is Mountain West Entrust IRA. You can contact them by emailing McKenzie Arnold at: firstname.lastname@example.org
, or through their national website at: theentrustgroup.com. You are not restricted to buying only real estate. Commodities, tax deeds, deeds of trust, etc. are some of your options.