If I buy a investment property and then refinance it. will my capital gains be based on the original price or?
Answer:
It will be based on the original purchase price, plus the cost of any improvements you've made. Save those receipts!
capital gains only when you make a profit when you sell, if you do.
Original price plus the cost of improvements.
Capital gains do NOT occur till you sell the property in question. You simply will owe the lender whatever the $amount the property is secured for, plus any accrued interest, charges or fees.
When you sell, capital gains are based on the difference between the sale price and the tax basis for your property. If it is an investment property, this will usually NOT be the original price that you paid. It will be the price you paid minus any depreciated value. You should be deducting depreciation from your income every year.
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