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🏠 Lower Taxes w/ Ryan

1.3k members • $1/year

STR Insights Property Finder

167 members • Free

12 contributions to 🏠 Lower Taxes w/ Ryan
Cost Segregation Expert - Recommendation
Any recommendation on Cost Seg study expert? Can this be done online, or is an in-person visit required? My STR is in Oceano CA and Fremont CA. Thanks in advance!
0 likes • 10h
Preet Sekhon was great to work with [email protected]
Intro..
Hello. Looking forward to finding tax strategies for our three rentals: 2 short term and 1 long term.
0 likes • Mar 8
Welcome. Lots of knowledge here and Ryan and Mason are great on the Friday calls.
Treating Property Upgrades as Business Expense
If I were to fix up and furnish my personal residence to rent out as a mid-term rental while away for a few months at a time could I treat these expenses as a business expense? If so, is there a special way to do it and prove it to IRS?
0 likes • Mar 8
My GUESS is that the IRS would not allow you to deduct those expenses while away from your primary home, but would allow you to deduct a percentage of some of the cost for your home(MORTGAGE, UTILITY, ETC.) during the times that you did rent it in this mixed use fashion. HUGE disclaimer, I too am a student in this group.😂
Trump’s Plan For 401ks
🏆 Winners 1. First-Time Homebuyers Struggling With Affordability - People who are unable to come up with a down payment could enter the housing market sooner. - Especially beneficial for younger Americans with decent 401(k) balances but limited savings. 2. The Real Estate Industry - More buyers = more demand. - Realtors, mortgage brokers, appraisers, and homebuilders could see a boost in business. 3. Politicians Promoting “Homeownership” - Policies like this play well politically, especially with millennials and Gen Z who feel priced out of the market. - It gives the appearance of doing something big about housing affordability — even if it doesn’t address the root issue. 4. People in Hot Real Estate Markets - In high-growth cities or low-inventory markets, this added demand could drive prices even higher. - Existing homeowners benefit from price appreciation. 💸 Losers 1. Future Retirees Who Withdraw Funds - The biggest loser is likely you 30 years from now. - Withdrawing from your 401(k) cuts into compound growth, which is often the key to a secure retirement. - Many people may never “rebuild” that retirement balance once it's withdrawn. 💡Example: Pulling $40,000 at age 30 could cost you over $300,000 at retirement, assuming 7% growth. 2. The Broader Retirement System - This undermines the original purpose of 401(k)s, which is long-term retirement savings. - It sets a precedent that retirement accounts are just piggy banks for near-term needs, weakening financial discipline. 3. Taxpayers (If the Plan Includes Forgiveness or Defaults) - If this policy includes penalty-free and tax-free treatment, it reduces future tax revenues. - If borrowers default on mortgages or lose homes, there could be broader economic spillovers. 4. People Who Stay Invested in 401(k)s During Market Rallies - If a participant withdraws during a market dip to buy a house, they lock in losses. - Meanwhile, others who leave money in may benefit from the rebound.
Trump’s Plan For 401ks
1 like • Mar 7
Just curious Ryan is there any update on Trumps Plan, clarifying what it would look like?
1 like • Mar 8
Thanks Ryan, but the devil will always be in the details & whatever political winds blow. Interesting that it could be applied to relatives and that it’s sunsets in 2030.
Cost seg study & future improvements
If I do a cost seg study in 2026 on a new property purchase and then in 2027 add an inground pool and/or putting green etc how are those deducted? Do I need to do another cost seg? Or should I wait till do cost seg till following year?
0 likes • Mar 7
So Laura did you decide to do the cost seg in 2026 or wait till 2027. If doing the cost seg in 2026, how will you deduct the pool in 2027. Of course you’ve already considered any carry forward losses (sorry I can’t recite IRS code like Ryan though 8582 rings in my head for passive losses).
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Greg Kimmerle
3
44points to level up
@greg-kimmerle-2749
Hey there, Greg here. Been here for a few months and the Tax team continues to deliver.

Active 10h ago
Joined Sep 4, 2025
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