{"id":11459,"date":"2023-11-07T08:00:19","date_gmt":"2023-11-07T14:00:19","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=11459"},"modified":"2025-12-11T16:53:18","modified_gmt":"2025-12-11T22:53:18","slug":"short-term-rental-lower-taxes","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/short-term-rental-lower-taxes\/","title":{"rendered":"Can Buying a Short-Term Rental Lower Taxes? STR Tax Deductions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11459\" class=\"elementor elementor-11459\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-4fe25f70 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"4fe25f70\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10516c74 ae-bg-gallery-type-default\" data-id=\"10516c74\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11a1d4a6 elementor-widget elementor-widget-heading\" data-id=\"11a1d4a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Learn the why, when and how behind short-term rental tax deductions and loopholes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-847792a blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"847792a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff3fefe ae-bg-gallery-type-default\" data-id=\"ff3fefe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b98c378 elementor-widget elementor-widget-text-editor\" data-id=\"b98c378\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key takeaways<\/strong><\/p><ul><li><p>Investing in a short-term rental (STR)\u2014property rented out less than seven days at a time on average (think VRBO or Airbnb rentals)\u2014can significantly lower your tax burden.<\/p><\/li><li><p>Adding a STR property to your investment mix should not come at the expense of funding other savings vehicles in your financial plan.<\/p><\/li><li>You legally have to prove that you materially participated in your STR business to earn that non-passive tax characterization.\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-71ec3798 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"71ec3798\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ce37bef ae-bg-gallery-type-default\" data-id=\"5ce37bef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d0cc8b9 elementor-widget elementor-widget-text-editor\" data-id=\"5d0cc8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As we roll into year-end and start getting our tax deductions in order, questions around the short-term rental (STR) tax loophole are regularly popping up on CWA client calls and emails. The questions are, can investing in a property really lower my taxes, and if so, how do I take advantage of it?<\/p><p>The answer to the first question is fairly straightforward. Yes. Investing in a short-term rental\u2014property rented out less than seven days at a time on average (think VRBO or Airbnb rentals)\u2014can significantly lower your tax burden.<\/p><p>But before you pull the trigger on that cute vacation rental investment, <a href=\"https:\/\/www.cainwatters.com\/brittany-frazier\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">CPA Brittany Frazier<\/span><\/a> says it\u2019s wise to educate yourself on the somewhat complicated rules around the STR tax loophole to ensure it\u2019s a suitable investment for you and your portfolio.<\/p><p>\u201cShort-term rentals can be a good investment and can also help generate cash flow if done properly. And yes, they can lower your tax burden considerably,\u201d says Brittany. \u201cThat said, buying real estate should never be a decision based solely on the potential for tax deductions.&#8221;<\/p><p>Before her clients make a real estate investment, Brittany takes them through an exercise to hone in on <em>why<\/em> they want to buy. She then looks at <em>when<\/em> a real estate investment makes sense and, finally, <em>how<\/em> to maximize the tax advantages.<\/p><h5><strong>Know Your Why<\/strong><\/h5><p>She starts by laying out the three reasons why people typically choose to invest in real estate:<\/p><ol><li>Capital appreciation \u2013 the expectation that the property\u2019s value will go up over time<\/li><li>Income generation \u2013 enjoying a positive cash flow from renting the property<\/li><li>Sentimentality \u2013 the property means something to the investor<\/li><\/ol><p>\u201cToday, we are seeing a fourth reason make its way into the mix with the tax advantages of short-term rentals,\u201d says Brittany. \u201cBut if lowering taxes is my client\u2019s only \u2018why,\u2019 then the tax tail is wagging the dog.\u201d<\/p><p>In that case, Brittany says a STR might not be the right investment due to the complexities and time commitment it takes to reap the tax savings.<\/p><p>\u201cA short-term rental is not a set-it-and-forget-it investment,\u201d says Brittany. \u201cWith the time you will invest, you really need to be in it for more than lowering your tax burden. That should just be a nice added benefit.\u201d<\/p><h5><strong>Make Sure Your Portfolio is Real Estate-Ready<\/strong><\/h5><p>The next order of business is to determine when the time is right to add a real estate investment to your portfolio. According to Brittany, adding a STR property to your investment mix should not come at the expense of funding <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/savings-hierarchy\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">other savings vehicles<\/span><\/a> in your financial plan that are building long-term financial security.<\/p><p>\u201cOnce the boxes are checked on maxing out 401(k)\u2019s, IRA\u2019s and other tax-advantaged accounts, and you\u2019ve established financial liquidity, a real estate investment is a perfectly fine place to put some extra funds,\u201d says Brittany.<\/p><h5><strong>Understand How the Short-Term Rental Tax Loophole Works<\/strong><\/h5><p>This brings us to how to qualify for the STR loophole.<\/p><p>According to Brittany, STR investors should first understand the difference between passive and non-passive income (or loss).<\/p><p>Any business activity where you do not materially participate in generating income or loss is considered passive. For example, owning a rental property you lease to long-term tenants is considered passive, as owners do not spend enough time running the business to be considered non-passive.<\/p><p>Conversely, if you regularly and consistently participate in the day-to-day duties typical of an owner, then the income generated is considered non-passive.<\/p><p>\u201cClassifying your losses as non-passive is key because you can apply the loss to your active income,\u201d says Brittany. \u201cExamples of active income would be income from a W-2 or self-employed business. The important part is, you have to prove that you materially participated in your STR business to earn that non-passive tax characterization.\u201d<\/p><p>There are two ways you can prove material participation.<\/p><p>One, you can <a href=\"https:\/\/www.irs.gov\/pub\/irs-utl\/33-Real%20Estate%20Professionals.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">qualify as a real estate professional<\/span><\/a> by spending <em>more than half your time<\/em> (at least 750 hours a year) materially participating in real property business.<\/p><p>\u201cMost investors aren\u2019t looking to spend more time running their real property business than working in their current jobs, so this option typically isn\u2019t ideal,\u201d adds Brittany.<\/p><p>Option two is to prove that you materially participated in running your STR business by fulfilling any <u>one<\/u> of the 7 Material Participation Tests.<\/p><h5><strong>7 Material Participation Tests<\/strong><\/h5><p>#1. You participated for more than 500 hours in your STR business during a year.<\/p><p>#2. Your participation in your STR business constituted a substantial part of all work done.<\/p><p>#3. Your participation was more than 100 hours and at least as much as any other individual.<\/p><p>#4. You significantly participated in multiple STR activities for more than 100 hours each, and your combined significant participation activities exceeded 500 hours.<\/p><p>#5. You materially participated in your STR business for five of the last 10 years.<\/p><p>#6. You materially participated in your STR business for any three of the last 10 years, and it was a Personal Service activity (non-income-producing).<\/p><p>#7. You participated for more than 100 hours on a regular, continuous and substantial basis during the year.<\/p><p>If you\u2019re running your STR business yourself, the second test may be the easiest criterion to meet. Tasks might include time spent managing your rental, cleaning, providing meals or giving transportation.<\/p><h5><strong>Take Advantage of Accelerated Depreciation <\/strong><\/h5><p>Once you\u2019ve established a non-passive tax characterization, you can generate losses from your STR through depreciation. Conducting a cost segregation study performed by a qualified engineer and\/or CPA will identify and reclassify personal property assets as eligible for accelerated depreciation.<\/p><p>\u201cA cost segregation study essentially breaks out the parts of your property that can be depreciated more quickly,\u201d says Brittany. \u201cSo rather than assets depreciating over 39 years, you can depreciate certain assets from five to seven to 15 years.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-62112936 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"62112936\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-506da3bd ae-bg-gallery-type-default\" data-id=\"506da3bd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52291e32 elementor-widget elementor-widget-text-editor\" data-id=\"52291e32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Therein lies the STR tax loophole. By purchasing a short-term rental property, proving material participation in its operation and taking advantage of accelerated depreciation, investors can typically save between 20-30% of their real estate investment in the first year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-78e6a8e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"78e6a8e8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-760375f7 ae-bg-gallery-type-default\" data-id=\"760375f7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13887732 elementor-widget elementor-widget-text-editor\" data-id=\"13887732\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The takeaway from all this is, according to Brittany: \u201cMake sure you\u2019re ready for the time commitment of running an STR, your current savings goals will not take a back seat to this investment, and you have a trusted team of real estate and financial advisors helping lead the way.\u201d<\/p><p>For more on the pros and cons of investing in a Short-Term Rental property, or for any other tax or financial question you may have, CWA is always here to help.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-895b425 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"895b425\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SET UP A FREE CONSULTATION TODAY<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Investing in a short-term rental (STR) can significantly lower your tax burden. Learn about short-term rental tax deductions &#038; STR tax loopholes from a CPA.<\/p>\n","protected":false},"author":7,"featured_media":11464,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_ppma_block_editor_authors":""},"categories":[16,41,21],"tags":[],"ppma_author":[48],"class_list":["post-11459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-tax-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can Buying a Short-Term Rental Lower Taxes? STR tax deductions | CWA<\/title>\n<meta name=\"description\" content=\"A short-term rental can significantly lower your tax burden. Learn about short-term rental tax deductions &amp; STR tax loopholes from a CPA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/short-term-rental-lower-taxes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can Buying a Short-Term Rental Lower Taxes? STR tax deductions | CWA\" \/>\n<meta property=\"og:description\" content=\"A short-term rental can significantly lower your tax burden. 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