Exhibit 99.1.906.Cert

  CERTIFICATION PURSUANT TO RULE 30a-2(a) UNDER THE 1940 ACT AND SECTION 906 OF
                             THE SARBANES-OXLEY ACT

I, David Lerner, Principal Executive Officerof 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 6, 2005           /s/ David Lerner, Principal Executive Officer
     ----------------------        ---------------------------------------------
                                   David Lerner, Principal Executive Officer
                                   (principal executive officer)

I, Alan Chodosh, Principal Financial Officerof 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 6, 2005           /s/ Alan Chodosh, Principal Financial Officer
     ----------------------        ---------------------------------------------
                                   Alan Chodosh, Principal Financial Officer
                                   (principal financial officer)