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All Forum Posts by: Tyler Galdes

Tyler Galdes has started 1 posts and replied 1 times.

Tax, SDIRAs & Cost Segregation

Post: Tax Impact of Loan Amortization on Rental Property

Tyler GaldesPosted
  • Real Estate Investor
  • Los Angeles, CA
  • Posts 1
  • Votes 0

Hi folks!

I'm putting together a Capital Accumulation Comparison (a la What every real estate investor needs to know about cashflow...) and I'm wondering if anyone could explain the tax impact of loan amortization to me.

Specifically- 

Does loan amortization count against deductions I can make for that tax year? e.g. is $10k worth of interest payments and $5k of amortization in a year a $10k deduction or a $5k deduction (or something else entirely)

Does loan amortization get counted as "income" when I am computing the passive gains/losses generated by the property? e.g. if my cashflow is -$100 a month and my amortization is $1200 for the year, are there $1200 of deductions I can make (provided I meet the criteria for deducting passive losses) or is my negative cashflow offset by the loan amortization

Thanks for the help BiggerPockets!

Tyler

0 Votes