EX-99.906CERT

         CERTIFICATION PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT

I, David Lerner, President of Spirit of America Investment Fund, Inc. (the
"Registrant"), certify that:

        1.   The Form N-CSR of the Registrant (the "Report") fully complies with
             the requirements of Section 13(a) or 15(d) of the Securities
             Exchange Act of 1934, as amended; and

        2.   The information contained in the Report fairly presents, in all
             material respects, the financial condition and results of
             operations of the Registrant.


Date:  January 5, 2004                   /s/ David Lerner
     ---------------------               ----------------------------------
                                         David Lerner, President
                                         (principal executive officer)


I, Alan Chodosh, Treasurer of Spirit of America Investment Fund, Inc. (the
"Registrant"), certify that:

        1.   The Form N-CSR of the Registrant (the "Report") fully complies with
             the requirements of Section 13(a) or 15(d) of the Securities
             Exchange Act of 1934, as amended; and

        2.   The information contained in the Report fairly presents, in all
             material respects, the financial condition and results of
             operations of the Registrant.


Date:  January 5, 2004                   /s/ Alan Chodosh
     ----------------------              ----------------------------------
                                         Alan Chodosh, Treasurer
                                         (principal financial officer)