They didn't pay for it, so they don't take care of it like an owner.Before you make assumptions about costs based on a seller's contribution to improvements, find out what they improved? 

Based on the information provided, you can only claim a capital loss when you actually sell or dispose of your REIT investment, not when the REIT simply returns a portion of your principal.

@Collin StewartSince you're PCSing to Columbia, SC, and have VA loan entitlement remaining, house hacking a small multifamily with a VA loan is a strong option since it requires zero down.

If the numbers don't work for expanding the building, explore the potential based on the current space. 

Hey @Aaron Ram, fellow Stamford-based investor here.

If you can make a conventional loan work, it’s likely a better option.

So you went based on pricing.3.

**Cash-Out Refinance/HELOC:** Another option to avoid paying capital gains taxes is to not sell the house at all.

I’ve been a member since November of 2024 and my review of Rent to Retirement was based on my experience purchasing a rental from out of state which went very well compared to other experiences I’ve had to go through.

Stessa is a pretty good option but only for the management portion.