Step Seven – Make Your House Pay You
Creating All the Money You Will Ever Want

by | Real Estate

Secrets of the Rich

 
In the past seven editions, we have covered the Seven Proven Steps that the rich use to make and grow their money. In the first edition, we covered the overview of the system and debuted the seven steps:

  1. Create a Business.
  2. Discover Your Hidden Business Deductions.
  3. Pay Your Taxes.
  4. What's Left Goes Into Real Estate.
  5. Real Estate Income Comes Out Tax-Free.
  6. Buy a House the Right Way.
  7. Make Your House Give You Money.

In Step Six we discussed some strategies for buying your principal residence so that it ultimately can put money in your pocket. The initial exit strategy that you determined in Step Six will be very important in what you do with Step Seven.

 
Real Life Homeloopholes™

 
Here are some homeloopholes™ that the team at DKA (D Kennedy & Assoc,, CPA) use:

Scott (my business partner) buys fixer-upper properties in up and coming neighborhoods. He lives there for two years while he fixes up the property. His current property shows a gain right now of about $150,000 and will likely be close to $250,000 by the time he sells it in two years from the date of purchase. That's a pretty good return – $250,000 tax free for two years of part-time supervision and the hassle of moving!

 
Marcia (Manager of DKA Programs) and her husband just bought a new home. Rather than sell their current home, they moved it into an LLC (limited liability company) and rented it out. What a simple way to add to your real estate portfolio – don't sell! Marcia's old house is now putting money in her pocket.

 
Amy (Office Manager) has a side business doing author support at seminars. She uses a portion of her home as a home office. This means that she now has a portion of mortgage interest, property tax, homeowner dues and utilities that directly reduce her business income.

 
Live there for Two Years

 
Scott was taking advantage of the homeloophole™ that allows him to live in a property for two of the previous five years and then sell it to take tax-free gain of $250,000 (as a single taxpayer.) A married couple filing jointly can take up to $500,000 of tax-free gain.

 
If you live in your property for less then two years and move due to "unforeseen circumstances", you can then exclude a pro-rata portion of the gain. For example, one of the unforeseen circumstances is "change in self-employment." If you started a new business that would be considered a "change in self-employment."

 
I received a question at www.taxloopholes.com regarding a gentleman who a rental property that had appreciated about $125,000. He wondered if he and his wife moved into the rental property for 6 months whether he could exclude this gain on sale. If he did legitimately move into the property and then had to sell due to a change in self-employment, he could then exclude a pro-rata portion. If he lived in the property for six months that would mean that he was there for 25% of the generally required 2 years. And, when you calculate 25% of $500,000 you get $125,000. The answer is "yes" – he can exclude the gain just by living in the home for 6 months.

 
Turn It Into a Rental

 
One strategy for your personal residence is to turn it into a rental property. In the past, one challenge with this strategy was that you then had to use the initial basis to calculate depreciation. Chances are your property has gone up in value and yet you're stuck with depreciating the basis back when you bought the property.

 
No more! There is a homeloophole™ that allows you to sell your personal residence into a controlled entity at the current fair market value. As long as you qualify for the tax-free gain exclusion, there would not be a taxable event upon the sale. The LLC (owned by you) then gets the higher value and has more depreciable basis. That means more deductions!

 
Home Office

 
The IRS gave us a huge gift December 2002 when they issued a Treasury Regulation that finally answered a question about home offices. The problem in the past had been that when you sold your home, and took the tax-free gain exclusion, you were forced to attribute part of the gain to the portion of your house that been used as a home office. For example, if 10% of your home had been used as a home office, then 10% of your gain was now income related to your business – and thus was taxable. In December 2002, the IRS said – no more! You can now exclude all of the gain attributable to the home office portion provided the office is part of the same "domicile."

 
Look at Your Home in a Different Light

 
These are just a few of the homeloopholes™ available for anyone who is willing to change their perspective on their home. Face it – you have to live somewhere. Wouldn't it be nice to have your home pay its own way?

 
Seven Steps

 
We've reached the end of the Seven Steps. My suggestion is that you go back through the process again and again -refining what you do. It doesn't have to be hard or difficult to create wealth. Often, it's just taking seven simple steps.

 

 
Diane Kennedy is a CPA/Tax Strategist and the author of the best-selling book Loopholes of the Rich: How the Rich Legally Make More Money and Pay Less Tax and co-author of the best-selling book
Real Estate Loopholes: Secrets of Successful Real Estate Investing. For more information on how to legally use the tax loopholes and make the IRS your partner, contact Diane's CPA firm, DKA, at 888-592-4769 or www.dkacpa.com. Tax law is constantly changing! Keep up to date for free by signing up for a free e-newsletter at www.taxloopholes.com

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