Mortgage Monday-Bonus Depreciation is Back! | Episode 75
The David Greene Show
David Greene
5 • 653 Ratings
🗓️ 21 July 2025
⏱️ 36 minutes
🧾️ Download transcript
Summary
Summary
With the successful passing of the Big Beautiful Bill, bonus depreciation is back. In this episode, David and Christian break down what it is, how you can take advantage of it, and how you can use money previously set aside for the government to cover the down payment on your next property. They cover accounting options, ways to use this strategy you may not have thought of, and how to combine it with CRE (covered in MM episode #69) to supercharge your wealth building and set yourself up for a retirement that doesn’t depend on social security. Make sure to listen all the way to the end for a special appearance from the mortgage mutt who is just as happy about bonus depreciation as your favorite accountant!
Chapters
2:15 Understanding Bonus Depreciation
Explanation of bonus depreciation and its benefits for real estate investors. Discussion on the Big Beautiful Bill Act and its implications.
10:45 Real Estate Professional Status
Criteria for qualifying as a real estate professional. How this status affects your tax strategy.
18:30 Active vs. Passive Income
Differentiating between active and passive income. Strategies to convert passive losses into active losses.
25:00 Short-Term Rental Loophole
Exploring the short-term rental loophole as an alternative strategy. Requirements and benefits of this approach.
32:10 Depreciation and Tax Strategy
Detailed explanation of depreciation and its role in tax planning. How to use cost segregation studies to maximize tax benefits.
40:00 Practical Advice for Investors
Tips for new and experienced investors on leveraging real estate for wealth building. Importance of understanding your financial position and planning strategically.
50:00 Conclusion and Contact Information
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Transcript
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| 0:00.0 | What's going on, everyone, welcome to Real Sock Real Estate. This is Mortgage Monday with the |
| 0:26.0 | mortgage guys, Christian Bostler and David Green here with an update on all things mortgage, |
| 0:32.0 | interest rate related, and the greater overall understanding of wealth building through real estate. |
| 0:36.6 | We've got a pretty cool |
| 0:37.7 | show for you today. And why is that? Because bonus depreciation is back. That's right, folks. |
| 0:43.3 | It's big, it's beautiful, and it's a bill. And we have some new things to cover on how you can build |
| 0:50.3 | wealth and most importantly pay less taxes if you invest in real estate the right |
| 0:54.9 | way, as well as some tips and tricks for improving your debt to income so that you can buy |
| 1:00.4 | more real estate in the future. |
| 1:02.1 | Christian, how are you today? |
| 1:03.8 | Doing good. |
| 1:05.5 | You know, regardless of your stance on Trump of the bill, this does have objectively beneficial |
| 1:10.7 | things to real estate investors. |
| 1:13.0 | And that's mainly what we're going to focus today, is how does it specifically impact the mortgage |
| 1:17.8 | industry and in more general terms, the real estate investor altogether, right? |
| 1:22.9 | And there are some very favorable provisions in this new bill that further incentivize investing in real estate |
| 1:29.2 | as if it wasn't incentive-based enough already with the tax benefits and everything that we already got |
| 1:33.4 | prior to this bill. But this bill definitely drives it home a bit further. That's exactly right. You don't |
| 1:38.4 | have to hate it. You don't have to love it, but you really should understand it and figure out what |
| 1:42.9 | you can do to benefit yourself |
| 1:45.1 | in these situations. Now, we're going to be getting into what bonus depreciation is, what a cost |
| 1:49.8 | segregation study is, how this works to shelter your taxes, all that complicated stuff that when |
... |
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