Quote from @Jason Bohling: @Dmitriy Fomichenko here’s a link briefly describing what I’m talking about:https://www.cnbc.com/amp/2024/10/24/income-limit-for-0-percent-capital-gains-bracket-2025.htmlJason, you are describing selling long-term capital assets held in your personal name.Dmitriy is talking about doing a roth conversion.Two separate tax topics. 

Take the emotions out of it and put together a pros/cons list. 

Paid him separate $4,000 USD. 

That means making calculated numbers based decisions, not emotional ones.

Quote from @Stephen Smith: Separately, a local roofing contractor was recently caught installing shingles on a BTC property in Cape Coral.  

For me, and I know it adds some complications, but I actually wanted to separate my business accounts from my personal. 

We do the work ourselves so there wouldn’t be a separate charge —-Sorry this in ranking a bit.

It's a good little loophole for a short-term rental of your home, including renting it to your own separate business.

I really appreciate the emphasis on simplicity and clarity—especially the advice about keeping non-operating expenses separate from NOI.

Separate HVAC systems are a good idea too—makes things easier for tenants and utility billing.I’d also recommend talking to a contractor or local utility company about what’s needed for separate power meters and mailboxes.