04/16/2026
“You have to be a full-time investor to write off $111K.” Wrong.
A W-2 earner making $200K+ can buy a $750K Scottsdale short-term rental, run a cost segregation study, and take $300,000 in bonus depreciation in year one.
That’s $111,000 back from the IRS. While keeping your day job.
The math:
$750K purchase
40% reclassified via cost segregation study
$300K year-one bonus depreciation deduction
37% federal bracket = $111K in tax savings
100% bonus depreciation is now permanent under the One Big Beautiful Bill Act. This isn’t a loophole. It’s the tax code working exactly as designed.
Save this. Send it to your CPA. Then come back and tell me what they said.