NEW YORK ( MainStreet) -- Have you identified a real estate hot spot, and do you want to buy property there? If so, you can probably use an individual retirement account to get the job done. RealtyTrac, an Irvine, Calif., real estate analytics firm, is out with a report listing the "Top 15" real estate hot spots in the U.S., along with some advice on how to use retirement plan vehicles to buy property in there. The company ranks six Florida cities in its list of 15 retirement havens, including Dunnellon, Naples, North Fort Myers, Punta Gorda, Sun City, Venice and Orange County. Arizona and California accounted for two cities each, while Arkansas, Pennsylvania, Oregon, and New York had one city on the list. IRA or other retirement plan to buy that property (or even "properties"), experts advise only certain investors act now - mainly younger real estate buyers.