{"id":6947,"date":"2018-01-23T06:20:06","date_gmt":"2018-01-23T11:20:06","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=6947"},"modified":"2021-01-17T22:42:08","modified_gmt":"2021-01-17T22:42:08","slug":"real-estate-investing","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/real-estate-investing\/","title":{"rendered":"Successful Real Estate Investing Tips for Taxes, Cash Flow, &#038; Qualifying"},"content":{"rendered":"<p>Are you wondering how to start investing in real estate?\u00a0 Maybe you own a rental property already?\u00a0 So many choose residential <a href=\"http:\/\/teammovemortgage.com\/blog\/2017\/09\/14\/rental-property\/\">rental properties<\/a> for <a href=\"https:\/\/www.investopedia.com\/investing\/\">investment income<\/a> for several reasons.\u00a0 These include potential appreciation in value, income tax write offs, funding retirement, and providing income along the way.\u00a0 In order to achieve real estate investing success\u00a0there are\u00a0two main keys:\u00a0 Knowledge and a great <a href=\"https:\/\/www.realtor.com\/\">Realtor<\/a>.\u00a0 In this article, the goal is to share knowledge in these key areas:\r\n<ul><\/p>\r\n \t<li>Rental Property Write Offs<\/li>\r\n \t<li>How Lenders Calculate Rental Income<\/li>\r\n \t<li>Rental Property Cash Flow<\/li>\r\n \t<li>Buying a New Rental Property<\/li>\r\n \t<li>Avoid a Tax Ticking Time Bomb!<\/li>\r\n<\/ul>\r\n<h2>Real Estate Investing\u00a0Write Offs<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6966 size-full\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2018\/01\/increasing-pennies-with-growth-of-plant-Copy-Copy.jpg\" alt=\"real estate investing\" width=\"300\" height=\"200\" \/><\/h2>\r\n<p>Owning <a href=\"http:\/\/teammovemortgage.com\/rental-properties\/\">rental properties<\/a> has a lot of potential advantages with buying a\u00a0desirable rental\u00a0home including\u00a0obtaining good financing, cash flow,\u00a0plus building equity.\u00a0 So, building equity means increasing wealth.\u00a0 In another of our articles entitled &#8220;<em>How to get into real estate investing and build wealth<\/em>&#8220;, we explain how even first time buyers can eventually get into real estate investing.\u00a0 Check out the article below after finishing this one!<\/p>\r\n\r\n<p>[av_button_big label=&#8217;How to Get Into Real Estate Investing and Build Wealth&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2017\/04\/01\/how-to-get-into-real-estate\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/p>\r\n\r\n<p>In addition to these benefits, there are potential income tax write offs.\u00a0 Rental property write offs can lower taxable income.\u00a0 Therefore, lower taxable income means less income taxes to pay.\u00a0 Expenses that are commonly used as deductions include&#8230;\r\n<ul><\/p>\r\n \t<li>Mortgage interest<\/li>\r\n \t<li>Improvements and repairs<\/li>\r\n \t<li>Insurance &amp; taxes<\/li>\r\n \t<li>Depreciation<\/li>\r\n \t<li>HOA dues<\/li>\r\n \t<li>Advertising<\/li>\r\n \t<li>Auto &amp; travel<\/li>\r\n \t<li>Cleaning &amp; maintenance<\/li>\r\n \t<li>Commissions<\/li>\r\n \t<li>Legal\u00a0&amp; professional fees<\/li>\r\n \t<li>Utilities<\/li>\r\n \t<li>Miscellaneous items<\/li>\r\n<\/ul>\r\n<p>It is a good idea to look at the IRS form called <a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/f1040se.pdf\">Schedule E &#8211; Supplemental Income and Loss<\/a>.\u00a0Then, it is easier to understand how expenses\u00a0play a role in\u00a0taxable income.\u00a0 Additionally, don&#8217;t just plug in the figures.\u00a0 Discuss details and\u00a0develop a plan\u00a0with a good <a href=\"https:\/\/en.wikipedia.org\/wiki\/Certified_Public_Accountant\">CPA<\/a> who is experienced in clients with rental properties.\u00a0\u00a0Many real estate investors use\u00a0rental income and expense strategies like these as a part of wealth and income building portfolio.\u00a0 Furthermore,\u00a0it may provide a\u00a0potential reduction in tax bills.\u00a0 Just keep in mind that certain write offs lower income as far as lenders look at it.<\/p>\r\n<h2>How Lenders Calculate Rental Income<\/h2>\r\n<p>With real estate investing, it is important to realize how mortgage lenders calculate rental income.\u00a0 If the rental property was rented during\u00a0the prior tax year and the income needs to be used for qualification, the rental income calculation worksheet must be used.<\/p>\r\n\r\n<p>Now, if the rental income is not needed to qualify, this calculation may not be necessary.\u00a0 But when it is used to prove a net profit or at least to offset some of the mortgage payment, lenders will usually be required to figure rental income this way.\u00a0 Keep in mind, not to just use the lease agreement or the bottom line on the IRS schedule E.<\/p>\r\n\r\n<p>Furthermore, it is always best to provide the information to a qualified mortgage professional to figure the income accurately.\u00a0 A typical rental income worksheet used by lenders\u00a0is below.\u00a0 Notice how the expenses are added back to the net income\/loss and then the total mortgage payment is subtracted out to calculate the rental income or loss used for mortgage qualification.<\/p>\r\n\r\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6959 size-full\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2018\/01\/rental-income-worksheet-completed.png\" alt=\"rental income worksheet\" width=\"703\" height=\"411\" \/>So, as you can tell there are expenses in the rental section of \u00a0that effect the bottom line of taxable income.\u00a0 But not all of the expenses reduce the income that lenders use which can be a good thing.\u00a0 For an experienced mortgage loan officer to calculate your rental income accurately, it is always best to provide the following up-front:\r\n<ul><\/p>\r\n \t<li>Most recent federal tax return<\/li>\r\n \t<li>Proof of mortgage payment with escrows<\/li>\r\n \t<li>Taxes &amp; insurance proof (if not escrowed)<\/li>\r\n \t<li>Proof of HOA dues (if applicable)<\/li>\r\n<\/ul>\r\n<h2>Rental Property Cash Flow<\/h2>\r\n<p>Cash flow or net income is what most investors want.\u00a0 Now, this is not always true!\u00a0 Some investors are looking to use rentals as a way to lower their income taxes liability while building equity.\u00a0 But, many buyers that get into real estate investing are looking for cash flow.\u00a0 Cash flow is the monthly net profit\u00a0a landlord receives on a rental property.\u00a0 Otherwise, it means you&#8217;re making money.<\/p>\r\n\r\n<p>More cash flow could then be used to buy another rental property.\u00a0 Not only does cash flow make the owner more income, it is also easier to qualify for a mortgage.\u00a0 The new mortgage could be a refinance\u00a0as well as\u00a0to buy another primary residence or investment property.<\/p>\r\n<h2>Avoid This Huge Ticking Tax Bomb!<\/h2>\r\n<p>There is one area that can be very profitable to an investor but if missed, could cost a ton of money!\u00a0 That deals with the capital gains tax on the sale of real estate.\u00a0 The rule deals with how much the owner has occupied the home over the last 5 years.\u00a0 So, there is actually a way that an owner can make a nontaxable profit on a rental property.\u00a0 The key is that the home must have been a primary residence for 2 of the last 5 years.\u00a0 We have a great article that any real estate investor should read.\u00a0 It is called &#8220;<a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/01\/22\/property-owners-avoid-this-huge-income-tax-ticking-time-bomb\/\">Property owners, avoid this huge income tax ticking time bomb<\/a>&#8220;.<\/p>\r\n\r\n<p>[av_button_big label=&#8217;Capital Gains Home Exclusion Rules Help Sellers Profit&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/blog\/2017\/12\/22\/capital-gains-tax\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]\r\nCheck out how the 2018 tax laws effect sellers\r\n[\/av_button_big]<\/p>\r\n\r\n<p>Overall, real estate investors\u00a0who are knowledgeable in these areas will have a leg up on how to qualify, plan, and hopefully enjoy owning rental properties.\u00a0 So, if you&#8217;re looking to buy a first or subsequent rental property, build your rental team now!\u00a0 This team should at least include a knowledgeable <a href=\"http:\/\/activerain.com\/\">Realtor<\/a>, mortgage lender, CPA, and handyman.<\/p>\r\n\r\n<p>Do You Have Questions on Qualifying With Rental Income?\u00a0 Let Us Know\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" class=\"wp-image-8678\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2019\/11\/zillow-5-star.png\" alt=\"Russell Smith mortgage lender\" \/><figcaption>Your experienced mortgage lender<\/figcaption><\/figure>\r\n<!-- \/wp:post-content --><!-- wp:paragraph --><\/p>\r\n\r\nRealtors can follow on <strong><a href=\"https:\/\/activerain.com\/profile\/rdsmith\">ActiveRain<\/a><\/strong> or Connect on <strong><a href=\"https:\/\/www.linkedin.com\/in\/mortgageloanexpert1\/\">Linkedin<\/a><\/strong> for more news. <strong><a href=\"https:\/\/get.testimonialtree.com\/Details\/?u=18038\">See why service matters<\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Are you wondering how to start investing in real estate?\u00a0 Maybe you own a rental property already?\u00a0 So many choose residential rental properties for investment income for several reasons.\u00a0 These include potential appreciation in value, income tax write offs, funding retirement, and providing income along the way.\u00a0 In order to achieve real estate investing success\u00a0there [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6964,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33,288,40],"tags":[1140,1141,517,1142,1143,1144],"class_list":["post-6947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frequently-asked-questions","category-real-estate-professionals","category-tips","tag-how-to-start-investing-in-real-estate","tag-investing-in-real-estate","tag-real-estate","tag-real-estate-investing","tag-real-estate-investing-for-beginners","tag-rental-properties"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Real Estate Investing Tips for Rental Property Taxes, Cash Flow, and Qualifying<\/title>\n<meta name=\"description\" content=\"Real estate investing can be a great way of building 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