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All Forum Posts by: Kassi Chappell

Kassi Chappell has started 1 posts and replied 1 times.

Tax, SDIRAs & Cost Segregation

Post: Tax implication of refinancing main home for granny flat rental

Kassi ChappellPosted
  • Posts 1
  • Votes 0

Hi BP,

We are looking to do a cash out refinance of our primary residence (no outstanding mortgage). Half of it will be to convert our garage to a granny flat for STR. My understanding is that the tax treatment is the same as if I were using that amount to buy a separate rental property. Specifically:

1. I can depreciate the granny flat

2. I can deduct mortgage interests

3. I can deduct a portion of property tax equal to the ratio of granny flat / (granny flat + main home)

4. The cost of construction gets added to the home basis

Is there anything I'm missing?

0 Votes