Rants and Gems #156 How Trumps Big Beautiful Bill Impacts You Buying A House In 2026
Rants & Gems Real Estate Podcast
EYL Network
4.9 • 1.3K Ratings
🗓️ 2 December 2025
⏱️ 39 minutes
🧾️ Download transcript
Summary
Most people online are completely misunderstanding the new 2026 tax bill. Tonight, I’m breaking down the REAL changes that actually save homebuyers money — especially if you’re buying in 2024, 2025, or planning to house hack a multifamily or ADU next year.
We’re talking about the only benefits that matter:
• The SALT deduction jumping from $10K to $40K
• PMI becoming deductible again in 2026
• The mortgage interest deduction staying locked in permanently
• The higher standard deduction
• AND the big one for house hackers: bonus depreciation + cost segregation on multifamily and ADU properties
If you're a regular homebuyer, this affects you.
If you’re buying a multifamily or planning to house hack, this is even bigger.
I’ll show you exactly how these tax changes work, how they impact your monthly cash flow, and how to position yourself to buy smarter in 2025–2026.
If you want to learn how to find deals, analyze deals, and use renovation loans the right way, lock in your spot for my 5-Day Rehab Mastery Bootcamp happening January 12th–16th.
Sign up here: www.mgbootcamp.com
This is your window. Don’t wait until the market shifts again.
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Transcript
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| 0:00.0 | If you're buying a house in 2026, man, this is the video you need to watch. |
| 0:06.7 | Welcome back to the channel. This is Matt Garland and MLS number 5, 870,000, better known as MG, the mortgage guy. |
| 0:13.1 | We are live. We are blessed. Thank God for another day. Happy Monday. Happy Monday the week after Thanksgiving. |
| 0:19.5 | And this is going off to all of my home buyers, whether you buying an investment property, |
| 0:25.3 | your house hacking, you're buying your first primary residence. |
| 0:29.3 | This is the video you need to watch. |
| 0:31.9 | So if you're new here, make sure you hit that bell for notifications. |
| 0:35.2 | And I'm going to show you in this video how President Trump's big, |
| 0:40.5 | beautiful bill impacts you on buying a home in 2026. Okay. So if you're new hair type first time in |
| 0:49.5 | the chat, if you're buying a home in 2026, say, hell yeah, in the chat. |
| 0:56.7 | Let's go. |
| 0:58.0 | All right. |
| 0:58.2 | And it's also going to help some people who purchased this year too. |
| 1:01.5 | There's a lot in this bill that's helping folks that's going to help folks save money on taxes in 2027 when you file for 2026. |
| 1:14.1 | So let's go over a few of these things here tonight. |
| 1:20.0 | We've got a lot of heck years in the comment, too. |
| 1:22.5 | I love that. |
| 1:25.6 | I love that. |
| 1:26.7 | I love that. I love that. I love that. So let's talk about a few of these things real quick. Let's talk about savings. There's a lot of savings. Let me take the glasses off. I feel like there's a glare right there in the glasses. |
| 1:44.5 | Okay. |
| 1:45.1 | So let's talk about this real quick. |
| 1:48.1 | We're going to break down some of the exact changes that's going to put some money back in your pocket. |
... |
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