use your common sense. Don't play dumb

来源: 柠檬椰子汁 于 2020-01-20 07:55:12 [] [博客] [旧帖] [给我悄悄话] 本文已被阅读： 次 (3436 bytes)
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If you bought the second house BEFORE the loan, how can you argue that "the loan proceeds are used for ... business ... or investment activities"? 

 

https://www.irs.gov/publications/p535

Allocation of Interest

The rules for deducting interest vary, depending on whether the loan proceeds are used for business, personal, or investment activities. If you use the proceeds of a loan for more than one type of expense, you must allocate the interest based on the use of the loan's proceeds.

Allocate your interest expense to the following categories.

  • Nonpassive trade or business activity interest.

  • Passive trade or business activity interest.

  • Investment interest.

  • Portfolio interest.

  • Personal interest.

In general, you allocate interest on a loan the same way you allocate the loan proceeds. You allocate loan proceeds by tracing disbursements to specific uses.

所有跟帖： 

• Right.if the 2nd,3rd are bought one year after cash out, would -start2020- ♀ 给 start2020 发送悄悄话 (0 bytes) () 01/20/2020 postreply 08:04:03

• 这个当然要具体分析，时间不是因素 -柠檬椰子汁- ♂ 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 (645 bytes) () 01/20/2020 postreply 08:37:25

• 谢谢。 如果是现金买出租房，一年后cash out， 是不是可以利息都算到第一个房上。因为第一个房是用交过税的现金买的。 -start2020- ♀ 给 start2020 发送悄悄话 (0 bytes) () 01/20/2020 postreply 13:29:01

• 当然利息是可以算在你refin出来的房子上的。其实 -Progressive- ♀ 给 Progressive 发送悄悄话 (115 bytes) () 01/20/2020 postreply 21:31:38

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