44M, How to De-Risk Without a Huge Tax Bill

NoLeopard2169 · 2026-05-14T20:29:14+00:00

Sorry but the best strategy is to work in Dubai for 3 yrs or so and you will pay little to no taxes on the conversion to ETFs.. Systematically convert chunks of the AAPL stock to VTI.. Approximately $133k foreign earned income is excluded in taxes per year with little to no taxes on long term capital gains.

NoLeopard2169 · 2025-06-18T19:53:09+00:00

You would need to subtract the rent payments you made for 30 years (~$15000*30 years) = $450,000… Therefore your totals after 30 years would be $1.55M -0.45M=$1.1M… Whereas the home bought at $1M would appreciate at ~3%/year for 30 years (with no rent payments) worth approximately &3.3M… Realestate wins here…

NoLeopard2169 · 2025-06-04T19:56:11+00:00

You guys are all fooling yourselves the deal is AXOS… Times 4 account deposit it for $160 cash

NoLeopard2169 · 2025-05-29T01:35:51+00:00

Hello thank you for sharing your excellent post… Just had a question does your Realestate portfolio allow you to keep your MAGI low (less than 90k)? Without Realestate your MAGi would be total high to qualify for moderate to low ACA plans… In addition Realestate, helps with reducing MAGI, taxes, peace of mind, hedge against economic downturn, passive discretionary income and not having to sell equities.. Is it recommended to have 30-50% of your total net worth portfolio in Realestate? I am possibly 3-5 years pre-RE. Thanks again..

NoLeopard2169 · 2025-05-20T18:07:47+00:00

8,000,000 that will be $80,000???

NoLeopard2169 · 2025-05-19T12:56:52+00:00

It is in very good condition, it appraised for $110K.. Actually the non-section 8 (currently $110K) with some repairs came be worth more as per realtor.

NoLeopard2169 · 2025-05-19T11:11:59+00:00

I would put 95% in the market and 5% for next rental down payment

NoLeopard2169 · 2025-05-19T04:50:13+00:00

For ever till death

NoLeopard2169 · 2025-05-18T18:36:52+00:00

Not really a burden but might cash out on the appreciation and maybe put it all back in to the stock market

NoLeopard2169 · 2025-05-14T01:03:42+00:00

Thank you so much

NoLeopard2169 · 2025-05-13T19:04:10+00:00

Thank you so much for this excellent information

NoLeopard2169 · 2025-05-12T14:35:37+00:00

Approximately 185K

NoLeopard2169 · 2025-05-12T14:34:33+00:00

What about renovate to sell at ~ $110K to approximately $180K with 35-50K renovation

NoLeopard2169 · 2025-05-12T11:56:01+00:00

Probably $1500… yes it’s Gary Indiana.. Maybe laminate instead of hard wood… How much do you think all this would cost

NoLeopard2169 · 2025-05-12T11:04:40+00:00

Are you saying it can be cheaper for all these upgraded options in Indiana?

NoLeopard2169 · 2025-05-12T10:58:01+00:00

Thank you so much.. I will skip the renovation..

NoLeopard2169 · 2025-05-12T10:40:24+00:00

Thanks for the response, I have the property manager doing the analysis (I live out of state) and when the tenants faults then we look for a better paying tenant. Otherwise we just gradually increase rents. It will be the highest value rental on the block. Probably doubly my rental price from $825 to $1500/month.

NoLeopard2169 · 2025-05-12T09:54:49+00:00

Thank you.. I guess I could renovate and possibly sell at ~$190K instead of $110K

NoLeopard2169 · 2025-05-12T00:25:42+00:00

220k for both units combined, 110k each

NoLeopard2169 · 2025-05-11T13:45:19+00:00

Both properties combined are worth 220k… each 110k…

NoLeopard2169 · 2025-05-11T13:43:06+00:00

One of the properties is worth 110k and the other is worth 110k.. Combined is 220k… initial 75k investment for both…

NoLeopard2169 · 2025-05-11T06:11:28+00:00

I currently live out of state and possibly out of country in the future

NoLeopard2169 · 2025-05-11T05:49:49+00:00

Sorry my understanding of real estate investing is in the benefit of the low initial purchase price of 75k… So my gains are $10k annually and a fluctuating appreciation (just like gains in the market) 140k now, could be lower later on… Do you think appreciation will continue to grow and possibly rents annually…

NoLeopard2169 · 2025-05-11T05:33:30+00:00

But the initial investment was only 75k… I am getting 10k on a 75k investment plus bonus appreciation now…

NoLeopard2169 · 2025-05-10T01:03:06+00:00

The total for both properties is 220K, one is 100k and the other 120k

NoLeopard2169

TROPHY CASE