Hello everybody, I recently bought my first investment property and already have it rented out which was fairly seamless.

The goals would be equitable distribution to the 4 blended marriage kids, fair compensation to the kid who is executor,  and any instructions on whether to demand the 4 properties remain as income for future generations or sold to buy cars, trains and automobiles for the decendants.

I'm hoping your agent is presenting you a blended policy or maximizing your paid up additions to be advantageous to you.Because you feel that you will be in the highest tax bracket the taxable equivalent yields may present well also.  

If you really wanted to calculate the benefit you would use a discount rate as well.Plus there is the terminal value amounts which will contain recapture amount breakout.Then you have to account for possible other passive activities, active participation, AGI, etc.Plus the marginal rate may be a blended rate with adjustments as some states required bonus adjustments.Plus if you are an LP you are passive by default so you need to go through some layers of basis before it gets to your 1040.I mean any number provided has a long way to go.This is an example of how intense some depreciation optimization calculations can be.

You can either increase income by finding income that was under reported or inaccurately reported on the loan or you can find a coborrower to blend the income and lower your debt to income (DTI).You can pay down debt that has the highest payment relative to the balance so you can thin out the DTI.You can slap a MCC on that loan which is a mortgage credit certificate (if you're a first time buyer) and this is an owner occupied loan.

The blended rate of these two loans is going to erode the cash flow and become a barrier for the investor/buyer to capitalize repairs and handle vacancy loss among other obligations.  

Edit:  the the "Previous 1 2 3 4 5 Next" are also split into to lines and blend into the "Manage Keyword Alerts" button as well

erentomenter.com and bestplaces.com are historical and blend surrounding prices.  

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