"Rates are too high. I'll wait."
Give your buyers a tax reason not to.
For business owners and investors, the rate is only part of the cost. Vanessa Gonzalez, Tax Planner M.Tax, works with MLOs to spot which clients a year-end tax strategy fits, and structures it around the loan before they close.
December 31 is the line.
Under the "placed in service" rule, a property has to be ready and available for rent by December 31 to count for this year. A client who closes in late December and doesn't furnish and list the property in time can lose the entire first-year depreciation benefit.
The purchase is done. The tax picture is whatever it turned out to be.
The strategy is built around the loan. October through mid-November is the window.
Why the rate isn't the whole story
$40K–$120KA short-term rental paired with a cost segregation study can generate that much in year-one deductions for the right buyer. For a business owner on the fence, that can change the math entirely.
Examples are hypothetical. Results depend on individual situation.
Three steps, and your client knows where they stand.
15-minute intro
We walk through the kinds of clients in your pipeline and where a tax strategy may fit.
You refer the right clients
Business owners, self-employed buyers and investors who are hesitating on a purchase.
Vanessa builds the strategy
She models it with your client and coordinates timing with you. You stay their lender.
Who it's often a fit for
- Business owners and self-employed buyers with a large tax bill
- High-income households considering an investment or short-term rental
- Investors who can close, furnish and list before December 31
- Buyers who are hesitating because of the rate or payment
The Tax-Ready Borrower Checklist
10 quick questions to spot which clients in your pipeline may benefit from a year-end tax strategy, plus the timeline that makes it work.
Book a 15-minute partner intro
No cost. Pick a time that works, and Vanessa will call you.
A tax strategist in your corner.
Vanessa Gonzalez is a Tax Planner and Tax Strategist and founder of Avans Tax CFO. She works with business owners and investors on proactive tax planning, and partners with loan officers and agents to help their clients make confident purchase decisions. Se habla español.