I think the best way is to co-sign...

来源: jy101 于 2010-09-16 07:41:19 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (849 bytes)
回答: 应该给老公的姐姐买这个房子吗? 由 kkoo2006 于 2010-09-16 05:04:32

whether you deed this property to you, your hu*****and, or an LLC, when you transfer the title back to your sister-in-law, you will face a huge tax bill.

reason being, if you treat it as a rental, IRS force you to take depreciation, so at the end, you may have to pay capital gains tax on the sale price.

the best way is to co-sign, but keep the deed in her name, but there is also the risk of default, you be liable for the loan, but don't own the property.

or if you have or borrow the money personally not tie to the property, then you can become the bank, so you become the first lien holder if default.

and the last thing I want to say is, money dilutes relationship, if the house went from 150k to 1.5m in 30 years, how do you feel about transferring the title then?

there is no win-win situation in this case.

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• 回复：I think the best way is to co-sign... -kkoo2006- ♀ 给 kkoo2006 发送悄悄话 (32 bytes) () 09/16/2010 postreply 08:09:54

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