Financial advisors who understand real estate investing.
1031 exchanges, cost segregation, Real Estate Professional Status (REPS), passive activity loss management, self-directed IRAs — matched with advisors who speak the language.
Real estate investors need real estate specialists
The tax rules that apply to real estate apply to essentially no other asset class. Depreciation, passive activity loss carryforwards, 1031 exchanges, REPS material participation, cost segregation — these aren't nice-to-have specialist knowledge, they're the entire source of real estate's advantaged returns. A generalist advisor recommending index funds over your 8-rental portfolio is missing 80% of the picture.
- 1031 exchanges. Defers capital gains indefinitely when rolling into "like-kind" property. Strict timing (45-day identification, 180-day closing). Gets complicated with partial exchanges, reverse exchanges, and Delaware Statutory Trusts.
- Cost segregation. Accelerates depreciation on commercial/rental properties. A $1M commercial property can generate $250-350K of additional year-1 depreciation under bonus depreciation rules.
- Real Estate Professional Status (REPS). If you qualify (750 hrs + more than half of work hours in real estate), rental losses become ordinary loss deductions (not passive). Huge tax shield for high-income spouses.
- Passive activity loss management. Non-REPS investors have suspended losses that carry forward. Planning when to release them (via a sale or disposition) is a real tax lever.
- Entity structure. LLCs per property (asset protection) vs consolidated (simpler taxes). Series LLC. Wyoming holding company structures.
- Self-directed IRA real estate. Allows holding rental property inside retirement account. UBIT complications, prohibited transaction rules — not DIY-friendly.
Tools & guides
Rental Cash Flow Calculator
Model cash flow, cap rate, and cash-on-cash return for a rental property including depreciation and tax impact.
Financial Planning for Real Estate Investors
Complete guide to REI-specific tax strategies: 1031, cost seg, REPS, entity structure, exit planning.
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