We’ve said it before, and we’ll say it again. Your success is our success. We want our clients to have every advantage when it comes to choosing, planning, and financing their projects. So that’s why it’s critical to stay abreast of changes in the marketplace, including relevant legislation. Let’s take a look at the “Big Beautiful Bill” to see how it may impact real estate investors.
In a nutshell, the "Big Beautiful Bill" offers some key advantages for real estate investors, particularly in the areas of Opportunity Zones and depreciation. These provisions can significantly lower your tax burden and increase your return on investment. Of course, we recommend consulting with a tax professional to determine the bill’s specific impact on you.
📍 Opportunity Zones: In general, the bill expands and enhances the benefits of investing in federally designated Opportunity Zones. These are economically distressed communities where new investments, under certain conditions, may be eligible for preferential tax treatment. By investing in these areas, you can defer, reduce, or even eliminate capital gains taxes on your investment property. This makes it an ideal time to look for fixer-uppers or new construction projects in these specific neighborhoods. Check out the HUD’s map of Opportunity Zones here.
💸 Accelerated Depreciation: The new legislation also allows for accelerated depreciation on specific types of real estate investments, such as multi-family rental properties and new construction projects. This means you can write off a larger portion of your property's value each year, which can significantly reduce your taxable income and increase your cash flow. This is a huge win for long-term rental investors looking to build passive income streams. Our DSCR loan product will help get you to the finish line here.
Your Partner in Progress: Navigator Private Capital
At Navigator Private Capital, we believe in flexible financing that fits your vision, not the other way around. Whether you're looking to capitalize on the new incentives for house flipping, new construction, or rental properties, we've got a loan program to get you funded. We're here to help you navigate the new landscape and ensure the numbers make sense. We analyze potential projects and craft flexible funding that delivers exceptional returns for our investor partners.
Here's how we can help you with your next project:
-
Fix-and-Flip Loans: Ready to transform a property from 'before' to 'after'? Our fix-and-flip loans are designed for those who see potential where others don't. We offer high leverage options, with up to 90% of the purchase price and 100% of the repair costs for repeat borrowers with a 640+ credit score and three or more completed flips in the last three years.
-
New Construction Loans: The Big Beautiful Bill is a huge win for new builds! We offer flexible financing with up to 85% of the total loan-to-cost (LTC) and up to 75% of the loan-to-after-repair-value (LTARV) for experienced builders with a 680+ credit score. Let's build something beautiful together!
-
Rental Property Loans (DSCR): The bill is encouraging more rental units, and our DSCR loans are perfect for expanding your rental portfolio. You can create a passive income stream and enjoy long-term appreciation prospects in a rapidly appreciating neighborhood. We also offer DSCR second mortgages with loan amounts from $75,000 to $500,000.
Don't let this opportunity pass you by! Our experienced team is here to walk you through the process and help you find the best financing for your project.
Ready to discuss your next deal? Reach out to your loan officer or call 888.444.3160 to get started! 📞