Скачать или смотреть Capital Gains on Home Sale: Avoiding the "2-out-of-5" Rule Mistakes

You think the $500,000 Home Sale Exclusion is guaranteed. It isn't. If you ever rented out a room, took a home office deduction, or moved out before selling, you could trigger the "Non-Qualified Use" trap and owe massive taxes on your profit.

As The Finance Observer, I’ve performed a forensic review of IRC Section 121. In this video, we dissect the difference between the "Golden Path" (Live - Rent) vs. the "Toxic Path" (Rent - Live), the unavoidable Section 1250 Depreciation Recapture tax, and how a home sale can accidentally spike your Medicare premiums 2 years later.

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FORENSIC BREAKDOWN:

0:00 The $500,000 Myth: Why your exclusion isn't automatic

1:50 The Baseline: The "2-out-of-5" Rule Audit

3:00 Trap #1: The "Non-Qualified Use" Rule (Landlord Warning)

4:00 The "Toxic Path": Why moving back into a rental doesn't work anymore

4:50 Trap #2: Unrecaptured Section 1250 Gain (The 25% Tax)

6:10 Trap #3: The 2026 Income Cliff (Losing the $12k OBBBA Deduction)

7:00 The "Phantom Tax": Net Investment Income Tax & IRMAA Spikes

7:40 The Pre-Sale Checklist: Ask your CPA these 4 questions

DISCLAIMER: I am The Finance Observer. This content is for educational purposes only. Real estate taxes are complex; always consult a qualified tax professional before selling property.