End of Year Tax Moves & Breaks

At a Glance:

• • Last Chance for Key Year-End Tax Moves – With less than a month left in the year, now is the time to act on important tax strategies. These include using high-depreciation investments to offset passive income, tax-loss harvesting, charitable giving (before rules tighten in 2026), considering Roth conversions, and making tax-free gifts under the current annual limit of $19,000 per recipient.

  • New December Investment Opportunity with Strong Returns – The Co-Investing Club is reviewing a new multifamily real estate portfolio deal in Ohio. The operator has a proven track record, with last year’s deal currently delivering a 9% yield. This new opportunity is projecting 8.2–9.2% Year 1 returns, increasing over time, with a total estimated annualized return of 17.3%. Members are invited to join today’s live discussion to evaluate the deal.

  • Real Estate Crowdfunding Platforms Are Underperforming – After interest rates spiked in 2022, many real estate crowdfunding platforms have delivered disappointing returns. The latest episode of Buck$ Outside the Box breaks down real account performance data, platforms that haven’t met expectations, and a few that are still worth considering.

You have less than one month left to make certain tax moves.

First — and top of our minds of course — are investments that come with massive depreciation. If you’re not familiar with these, the idea is that you show a loss on your tax return, even if you collected income in real life. You can use this “loss” to offset other passive income such as dividends, distributions and capital gains. 

And in fact, the Co-Investing Club is meeting today at 2pm EST to vet our December deal. Spoiler: it comes with a great depreciation write-off. More on this in the next section. 

Second, you can practice tax-loss harvesting.

Third, make charitable donations. Note that the rules get more restrictive starting January 1, 2026, due to changes from the One Big Beautiful Bill Act.

Fourth, consider doing a Roth conversion (moving money from a traditional IRA or 401(k) to a Roth account.  

December Deal Discussion

Curious about how Co-Investing Club deal discussions work?
Sit in on today’s deal discussion at 2pm EST. Join the Co-Investing Club as a free member, to see how we vet investments together as a community.

This one is a portfolio of several multifamily properties in Ohio. It’s with an operator we invested with last year, and who we’ve had a great experience with. That deal from last year is outperforming projections, and is currently paying a 9.0% distribution yield.

This new deal also projects an 8.2%-9.2% yield in Year 1, and only increasing from there. Total projected annualized return: 17.3%.

Come and decide for yourself if it’s a good investment, as we all grill the operator together at 2pm EST!

Why I Stopped Investing in Real Estate Crowdfunding

The short version: it just hasn’t performed very well after the interest rate hiking spree of 2022.

In this quick episode of Buck$ Outside the Box we cover:

My actual returns from different platforms

Several big name platforms that I wouldn’t invest with again

A few platforms I still (mostly) like.

(article continues below)

Real estate investments? Awesome.

Being a landlord? Less fun.

Learn how to earn 15%+ on passive real estate investments in our free video course.

Travel Corner: Rothenburg ob der Tauber

(That’s my wife Katie strolling the streets early Christmas morning before everyone else woke up).

A walled medieval town along Germany’s “Romantic Road,” Rothenburg ob der Tauber looks like something out of a fairy tale.

Literally. Disney used it as inspiration for the town in Pinocchio, and Harry Potter and the Deathly Hallows was shot there.

This time of year, you can enjoy Christmas markets with traditional food and of course glühwein (mulled wine).

Katie and I spent Christmas there one year, while traveling the Romantic Road with another couple. I highly recommend eating at Zur Hölle, which dates back to 900 AD.

(article continues below)

Compare Investment Property Loans

What short-term fix-and-flip loan options are available nowadays?

How about long-term rental property loans?

We compare several buy-and-rehab lenders and several long-term landlord loans on LTV, interest rates, closing costs, income requirements and more.

Good Mood Food: Brown Sugar & Bourbon Salmon

If you like salmon, try air frying it or baking it with a hefty dousing of McCormick’s Brown Sugar & Bourbon seasoning. 

You really can’t go wrong with it, short of overcooking it. (Read up on how to tell when it’s done, before it gets the white albumin showing it’s overcooked.)

Try serving with asparagus or green beans, and pair with white burgundy or a California chardonnay (or a dry German riesling if you’re feeling the Deutsche theme).