Let’s connect the dots together. Tell us what you make, then see exactly what it takes to knock out your tax bill — and how much (or how little) you choose to do. No pressure, no all-or-nothing.
Here is the move: you put a down payment on a building, and the building’s depreciation cancels your income on paper. You don’t need cash equal to what you earn — just a down payment. Slide it and watch your tax bill shrink.
You’re knocking out $0 right now. To wipe out your entire federal bill you’d put down about $0 (about 0% of the way there). You don’t have to — whatever you put down knocks out its share. Add about $0 more to go all the way.
You do not have to wipe out every dollar of tax. Put down a little, knock out a little. Put down more, knock out more. Go all the way to the sweet spot and you erase the whole federal bill. It is entirely your call — any amount helps.
And remember: a big slice of that down payment was money headed to the IRS anyway. You’re redirecting it into a building you own, instead of handing it over.
Year one is the hardest because it’s your first down payment. After that, two things work in your favor:
• Leftover depreciation carries forward. If a building shelters more than one year’s income, the extra doesn’t vanish — it rolls into next year, lowering what you owe again.
• You keep more cash. The tax you stopped paying is money you keep — which becomes the down payment on the next building. Each one you add shelters more income and builds more wealth.
Think of it as a flywheel: the tax you save funds the next purchase, which saves more tax, which funds the next. You start small and build.
Rough illustration to start a conversation with your CPA — not tax, legal, or investment advice, and not a promise of any result. Assumes 25% down, ~20% land, an apartment-type building (~28% cost-seg reclass) and 100% bonus depreciation, and that you can use the loss (which requires qualifying as a real estate professional — heavily audited). It zeroes your federal tax; many states (NY, NJ, CA) do not follow bonus depreciation, so the state portion usually remains. Figures use approximate 2025 brackets and ignore NIIT, AMT, QBI, fees, and recapture on sale. Run every number with a qualified CPA before acting. © 2026 The Neuman Group.
Tell us what you make and what you can put down. We’ll show you the real building, the real numbers, and walk every step with you.
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