By Jim blackburn By Jim blackburn Active real estate investors eventually face a wealth-killing dilemma: properties appreciating substantially create massive capital gains tax bills when sold, potentially consuming 25-40% of profits through federal and state taxation plus depreciation recapture. A property purchased for $200,000 and sold for $400,000 generates $200,000 gains—but after federal capital gains […]
By Jim blackburn By Jim blackburn You’ve been working toward your first investment property, building up reserves, improving your credit, and analyzing deals. You’re finally ready to pull the trigger on that second rental property that will truly start building your portfolio. Then reality hits. Your lender tells you that your debt-to-income ratio is too
By Jim blackburn By Jim blackburn Your parents built substantial wealth over their lifetimes—a paid-off home worth $800,000, a portfolio of rental properties generating $120,000 annually, retirement accounts totaling $2 million, and life insurance policies worth another $500,000. They’re now in their mid-70s, beginning conversations about estate planning and legacy. You realize that over the
By Jim blackburn By Jim blackburn Real estate investing through retirement accounts opens doors most investors never realize exist. A self directed IRA for real estate allows you to purchase rental properties, commercial buildings, raw land, and other real estate investments inside your retirement account—potentially growing your wealth tax-deferred or tax-free. Unlike traditional IRAs that