I *think* that even if I had MORE than the 25K in 'losses' that I could not write off in the CURRENT year, they can still be 'stockpiled' for lack of a better word to either deduct against future profits or when I see to help offset capital gains.I *think* from how I read it, even if a person had such a high W-2  that they could not take ANY passive real estate losses, even they can still 'carry those losses forward' to offset future gains from operations or sale of the property.Hope that helps, Dan Dietz

I have 4+ years of firewood stockpiled.

Here's the deal:- She owns a small disaster recovery services business and has a newly awarded contract with FEMA- She pays herself a fairly low salary from the contract because it's all she needs, so from the bank's perspective she has low income- She has a huge cash savings stockpiled and which she is building (she just started this business) in order to make payroll in periods where FEMA contract disbursements are slow- She's preparing to place an offer on a multi-family she currently lives in and rents from; she could pay cash for the property from her small business savings but needs to save that cash for the above mentioned reason- She's called multiple banks but can't find one willing to lend due to her "low DTI ratio"I think she just hasn't found the right lender and is probably calling big box banks looking for conforming loan terms.  

Nothing wrong with having a stock pile of free cash!

Started making $ while living at home still, stockpiled cash for 2 years, now have plenty of $ to invest, starting a wholesaling business, etc. these people are still in college or just getting out and moving into their industry’s entry level jobs making 50k/yr with tons of debt.

Some will do that while stockpiling more cash to eventually own a NNN property.It's better to wait and own a quality NNN property then just buy one that fits in the budget you want to pay.

It seems my neighborhood is definitely not a 'rental' neighborhood.Yes, I believe we could afford down payment on new house in Boise without selling here in Austin: significant cash stockpile plus my access to various sources of credit (insurance vehicles, 401k/IRA loans, HELOC, etc).Can we direct message more about 1031? 

Alternatively, if the rate is very low, it might make more sense to stockpile the cash for your next investment.

Conversely, because of the fear, we may head into a recession as people stockpile money rather than spend it (making this an unsuccessful holiday season for retail). 

How many assets could you own, possibly free and clear, in 30 years vs stock piling cash...