This defers capital gains and depreciation recapture taxes on the sale of your fourplex.After converting it into your primary residence, you may qualify for the primary residence capital gains exclusion ($250K single/$500K married), but only for appreciation after the conversion; gains from the rental period remain taxable. Renting

This would allow you to access some cash for other purposes ( Tax Free) because a refinance is not a taxable event.

The insurance payout also impacts your taxable gain.

They lowered the “taxable value” by 40-50% and then raised the tax rate about 35-45% lowering everyone’s taxes that year.

Property owners get an annual update on their SEV & Taxable Values with their city property tax bill, typically sent in December.So now, the city assessor tracks the SEV, but homeowners are taxed based upon the capped Taxable Value.

This 1031 Exchange Calculator can help you model out the taxable proceeds based on various situations. 

Was that purchase money, rate and term refi, or cash out refi?

Hey @Brandon LaRose, do you have the ability to use a Margin Loan against a taxable portfolio, or a policy loan against a permanent life policy?

These are not taxable events.

Schwab had the best rates I heard of (vs.