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Home > Living Off Rentals > #296 - Understanding Bonus Depreciation and the STR Loophole for Tax Savings - Ryan Carriere
Podcast: Living Off Rentals
Episode:

#296 - Understanding Bonus Depreciation and the STR Loophole for Tax Savings - Ryan Carriere
Category: Business
Duration: 00:51:11
Publish Date: 2025-10-15 12:00:00
Description:

Joining us on this episode of Living Off Rentals is someone who helps investors keep more of what they earn by using powerful, legal tax strategies.

Ryan Carriere is a Client Services Manager at Hall CPA, a firm that specializes in helping high-income earners maximize tax savings through real estate. As both a CPA and real estate investor, Ryan has worked with hundreds of clients to save millions by leveraging strategies like bonus depreciation and the short-term rental (STR) loophole.

Listen as he shares how to make the most of these tax advantages, what a cost segregation study actually involves, how to qualify for the STR loophole, and how even everyday investors can use these tools to build long-term wealth.

He also breaks down creative tax-saving strategies like shifting income to your kids—and why documentation is key to staying audit-proof.

Enjoy the show!

Key Takeaways:

[00:00] Introducing Ryan Carriere and his background

[02:06] Getting into the niche of tax strategy in real estate

[07:12] How he combined CPA work with real estate investing

[11:00] Bonus depreciation is back to 100% and why it matters

[12:40] How bonus depreciation works

[14:41] 100% bonus depreciation explained in plain English

[16:31] Real-world example of $35,000 in tax savings on a $500K property

[17:52] The most common kind of tax strategy for short-term rental investors/W-2 earners

[19:05] How the short-term rental loophole works and who qualifies

[20:30] Meeting the 100-hour material participation test

[25:32] The beauty of being married: Seen as one taxpayer instead of two

[26:47] Is it too late to use tax-saving tools?

[28:42] Determining the price point for the cost segregation study

[31:36] Bonus depreciation beyond real estate—vehicles, equipment, and more

[35:44] Benefits of shifting income to your kids

[42:05] Does using these strategies increase audit risk?

[48:08] Best practices for bookkeeping and compliance

[49:28] Connect with Ryan Carriere

[50:47] Outro

Guest Links:

Website: https://www.therealestatecpa.com/ 

LinkedIn: https://www.linkedin.com/in/ryancarriere/ 

Cost Segregation Study Affiliate:

Get 10% off on Rental Property Refund's tax tool by checking out their free webinar here: https://www.livingoffrentals.com/costseg

Show Links:

Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals 

Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast 

Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals 

Living Off Rentals Website – https://www.livingoffrentals.com/ 

Living Off Rentals Instagram – instagram.com/livingoffrentals 

Living Off Rentals TikTok – tiktok.com/@livingoffrentals 
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