Fundamento

I'm selling my home (or investment property)

Selling involves more decisions than buying. This path covers the math, the structuring options to minimize tax, and how to think about agent vs. FSBO vs. cash buyer.

  1. 1
    Run

    Should I sell?

    Run your actual numbers through three scenarios side by side: agent, FSBO, cash buyer. The headline price isn't what hits your bank account.

  2. 2
    Read

    When to sell your home

    Selling because you're moving cities or right-sizing — usually right. Selling because "the market is at a peak" — usually wrong.

  3. 3
    Read

    Principal residence capital gains exclusion

    IRC §121: up to $250K (single) / $500K (married) tax-free if you've lived there 2 of past 5 years. Don't sell 1 month early.

  4. 4
    Read

    1031 exchange — defer the tax forever (or until death)

    For investment property: defer all gain into a like-kind property. 45 days to identify, 180 to close, Qualified Intermediary required.

  5. 5
    Read

    Opportunity Zones (OZ 2.0) — now permanent

    For investment property gains: roll into a QOF. 10-year hold makes appreciation tax-free. OBBB made the program permanent.

  6. 6
    Read

    Choosing a real estate agent

    If you list, choose on track record in your specific neighborhood, not lowest commission.

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