Blue Collar Wealth

Presented by Stone House®

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141. Not Everything Online is For You: The Real Risks of Rental Property “Tax Loopholes”

In this episode of Blue Collar Wealth presented by Stone House®, Bob takes on a growing trend: online influencers promising “easy” wealth-building shortcuts—like buying a rental property, claiming bonus depreciation, and avoiding a mountain of taxes.

The reality? Those slick videos rarely show the full picture. From buyer’s remorse to misunderstood tax rules, Bob unpacks why not everything online is as it seems—and what you need to know before making a big financial move.

Rental properties can be a powerful tool for building wealth—but they’re not for everyone. And when Congress passes a sweeping bill like the One Big Beautiful Bill Act, opportunists flood your feed with oversimplified strategies that can do more harm than good if you don’t understand the details.

In this episode, Bob uses the example of bonus depreciation to show how flashy “hacks” can mask complex rules and long-term consequences. He also shares the bigger puzzle of rental ownership and why your financial plan must be customized to you.

What You’ll Learn in This Episode:

Buyer’s Remorse in Real Estate — Why a bad ice cream flavor is one thing… but a $400,000 rental mistake is another.

The Hook: Bonus Depreciation — How influencers sometimes oversimplify this tax incentive, creating the impression it’s “free money”, when in reality it comes with limitations and risks.

What Bonus Depreciation Actually Is — The basics, the benefits, and the tax traps most people miss.

The Bigger Puzzle of Rental Properties — From zoning laws and interest rates to ownership structures and property management, it’s never as simple as a 30-second Reel makes it seem.

The Illusion of Simplicity — Why influencers focus on headlines, not fine print, and how that can lead to costly missteps.

What You Really Need — A plan tailored to your goals, risk tolerance, and life—not someone else’s sales funnel.

Key Takeaway:

When it comes to building wealth, shortcuts can be costly. Instead of chasing the sizzle, focus on the steak: a strategy designed around you.

Like what you heard?

Whether you’re already a client or just curious about how Stone House could support your financial future, we’d love to connect. Visit stonehouseinv.com or reach out to your advisor to schedule a conversation.

Disclosures: Investment advisory services are offered through Stone House Investment Management, LLC, an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. Investing involves risk, including the potential loss of principal.

The information in this video is for educational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional for personalized guidance. The strategies discussed may not be appropriate for all individuals. Your personal financial situation and tax obligations are unique. Please consult a financial advisor or tax professional before making any financial decisions. Some examples used are hypothetical. If real, client names and identifying details have been changed. Individual results will vary.