t**i
发帖数: 20 | 1 先买了一个房子,county记录是principal residence.现在结婚了,就把房子租出去了,
搬到LG家住了.county的记录,还有loan没变.
需要自己去改吗? | k*******2
发帖数: 132 | 2 如果你不买房不refi, 可以至少暂时不动。
【在 t**i 的大作中提到】
: 先买了一个房子,county记录是principal residence.现在结婚了,就把房子租出去了,
: 搬到LG家住了.county的记录,还有loan没变.
: 需要自己去改吗?
| a****l
发帖数: 8211 | 3 You can claim homestead for your principal residence. If you claim the tax
deduction but you are not living there, this is simply tax fraud, and you
know what this means. Other than this, I can't think of other issues.
【在 t**i 的大作中提到】
: 先买了一个房子,county记录是principal residence.现在结婚了,就把房子租出去了,
: 搬到LG家住了.county的记录,还有loan没变.
: 需要自己去改吗?
| f*****i
发帖数: 3558 | 4 loan没有关系吧，贷都贷了，说不定都卖给谁了。但是下次refinance的时候就要按
investment property来贷loan了吧
county那里，是不是有个7000刀的exemption给自住的？如果有，那就去改一下，一个
表格就行了吧
其余tax，你可以用rental offset 所有的那个房子的开销，比如mortgage，property
tax，维修的，还有折旧。。如果还有盈余就是叫收入税啦
【在 t**i 的大作中提到】
: 先买了一个房子,county记录是principal residence.现在结婚了,就把房子租出去了,
: 搬到LG家住了.county的记录,还有loan没变.
: 需要自己去改吗?
| k*******2
发帖数: 132 | 5 If you use this as investment property, you could get lots of benefits (
offset your rental income, etc). However, you could not claim $500K tax
exempt for a married couple anymore.
Any straightline depreciation amount will be "recapitured" and pay income
tax if there is any captial gain after you sell your house.
You do not change the loan at all. However, you bascially can't be
refinanced in most cases due to additional points for rental property.
【在 t**i 的大作中提到】
: 先买了一个房子,county记录是principal residence.现在结婚了,就把房子租出去了,
: 搬到LG家住了.county的记录,还有loan没变.
: 需要自己去改吗?
| t**i
发帖数: 20 | 6 是打算按rental property报税。想知道大家是主动自己去改还是leave it alone?
property
【在 f*****i 的大作中提到】
: loan没有关系吧，贷都贷了，说不定都卖给谁了。但是下次refinance的时候就要按
: investment property来贷loan了吧
: county那里，是不是有个7000刀的exemption给自住的？如果有，那就去改一下，一个
: 表格就行了吧
: 其余tax，你可以用rental offset 所有的那个房子的开销，比如mortgage，property
: tax，维修的，还有折旧。。如果还有盈余就是叫收入税啦
| j***k
发帖数: 2719 | 7 i left it alone.. it was ur primary when you bought it and you have lived
there for at aleast 18 months.. so the mortgage company should be okay... | N**s
发帖数: 1916 | 8 I think you have to report as rental property for tax return if you are
getting any rental income. Also by changing to rental you can deduct all
operating expenses like interest, tax, insurance gas, repairs to name a few.
Don't forget to change your homewoner'policy to homesavers (or whatever they
would call for rental properties) and let the lender know. I bet your
lender will not increase your rate.
【在 t**i 的大作中提到】
: 是打算按rental property报税。想知道大家是主动自己去改还是leave it alone?
:
: property
| N**s
发帖数: 1916 | 9 I am not worried about county record. I will, however, report rental to IRS
and let insurance company and lender know.
【在 t**i 的大作中提到】
: 先买了一个房子,county记录是principal residence.现在结婚了,就把房子租出去了,
: 搬到LG家住了.county的记录,还有loan没变.
: 需要自己去改吗?
| k*******2
发帖数: 132 | 10 最好主动自己去改，也许your county property tax website 就可以搞定的。
【在 t**i 的大作中提到】
: 是打算按rental property报税。想知道大家是主动自己去改还是leave it alone?
:
: property
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