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Ryan’s Investor Corner – February 2020

Update to Corvallis Rental Requirements

Owner occupancy and parking requirements no longer apply to Accessory Dwelling Units (ADUs) as of January 1.  An ADU (commonly referred to as a “mother-in-law unit”) is a secondary dwelling constructed on the same property as an existing house and is often used to generate rental income. An ADU can either be integrated into the primary dwelling unit (e.g. above an attached garage) or constructed as a freestanding dwelling. Click here to learn more about ADUs. The new law does allow local governments to regulate owner occupancy and off-street parking requirements for vacation rentals.

Tax Benefits of Real Estate Investing

April 15th is quickly approaching. One of the best advantages to real estate investing is the favorable tax treatment. This can include: 

  1. Deductions: property tax, mortgage interest, repairs, management fees, home office/equipment;
  2. Depreciation: the method of deducting a property’s loss in value over its expected life, which for residential property is 27.5 years, and commercial property is 39 years. In essence, it’s accounting for a decrease in value from average use and wear and tear. 
  3. Tax-deferred gain: using 1031 tax exchanges, investors can “swap” properties and avoid paying capital gains or depreciation recapture when they sell. Investors can “swap until you drop” and let heirs get tax free sales at the stepped up basis of the property. 
  4. Capital gains tax rate: If you do decide to sell, your gains are generally taxes at capital gains tax rates, which can be significantly lower than income tax rates. 

It is important to discuss these with a trusted CPA to make sure you are maximizing tax benefits. Let me know if you need (or have) a great suggestion for a local tax advisor @ ryanlong@kw.com

Read more at https://www.fool.com/millionacres/taxes/real-estate-tax-deductions/top-5-tax-advantages-real-estate-investing/

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