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Randalltax, Enrolled Agent
Category: Tax
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Experience: Over 20 Years experience
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I need some tax advice. Our home that is being rented out in

Customer Question

I need some tax advice. Our home that is being rented out in St Louis is being vacated at the end of the month. What I need to know is what is what are the tax ramifications of the sale. Some info

Bought the house in 7/ 2007 for 325,000
started renting the property in 7/2009
The fair market value of the house at the time of rental was 319,900. We had it listed for that at that time.
We have had it rented out for three years. the rent was 1995/month
We averaged 5000/yr in losses that was the difference in rent paid and our mortgage.
We have about $2000 in repair bills that did not improve the value of the home.
our combined W2 income level is a little over 500k
We pay city of cincinnati and Ohio state tax
Our payoff loan ammount is 271K

At what net sales price ( taking in to account the tax deduction ) will we actually be losing money.
For example if we sell the house for 265,000 and pay the realtors 15k in commission (net sale 250K) what will be our end out of pocket expense.

Submitted: 1 year ago.
Category: Tax
Expert:  Randalltax replied 1 year ago.


Randalltax : Without calculating your personal tax, the sale will generate a capital gain on sale. The basic formula is (sales price minus commissions and costs of sale) minus adjusted cost basis.
Randalltax : The cost basis is the cost of the property plus any improvements minus depreciation.
Randalltax : So if you depreciated 10k, and ou paid 325k, your adjusted basis is now 315k for calculating gain or loss.
Randalltax : All of our operating costs and expenses should have been deducted against income in the year they occurred, so these items have no effect on the sale or capital gain.
Randalltax : The loan payoff does not factor into your taxable gain or loss.
Randalltax : Since you had rental losses when your income was over 125k during the same year, these Passive losses are released in the year of sale and reduce your taxable gain ( or increase your tax loss).

Expert:  Randalltax replied 1 year ago.

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Expert:  Randalltax replied 1 year ago.

There is simply not enough information to fully compute our gain or loss based on the info provided. Even if there is, the forum prohibits the practice of accounting or tax online, so I would not be able to compute an exact number here.

It reAlly doesn't matter, however. You aren't going to set the price of your home based on whether yo have a taxable gain or not. Buyers don't care about your tax situation and cannot factor that not the price they are willing to pay. Don't let the tax tail wag your financial dog!

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