Why call on a real estate tax advisor?

Buying real estate is not limited to looking for a property or signing at the notary. Taxation plays an essential role in profitability. A real estate tax advisor can turn a good project into a truly profitable operation.

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Understanding the role of a real estate tax advisor

Before you even think about buying or reselling real estate, it is essential to understand the tax implications of each choice. This is where the real estate tax advisor comes in. This professional helps you anticipate expenses, optimize taxation and secure your assets.

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Definition and main missions

A real estate tax advisor is an expert who assists individuals or investors in tax and asset decisions. Its role is to analyze your entire situation: income, assets, profitability or transmission objectives.

Thanks to this global vision, he can guide you towards the best tax arrangements according to your profile: adapted taxation regime, choice between bare or furnished rental, creation of an SCI, Assembly in dismemberment, etc.

It also helps you to understand your reporting obligations, to limit the tax burden on your rental income, or to anticipate taxation favorable to resale.

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When should you call on him?

The right time to seek a real estate tax advisor is before signing a compromise or better before launching an acquisition project. This makes it possible to align the choice of property with your tax strategy.

For example, an investor wishing to sell LMNP furniture in real life will not have the same criteria at all as a buyer of a main residence or a parent wishing to pass on to his children.

But its role is just as useful. After the purchase, in particular for revenue optimization, fiscal monitoring, or the preparation of a donating Or of a succession. In case of change in personal status (expatriation, divorce, new child, retirement...), he can also adjust the strategy.

In short, the more you anticipate, The more fiscal and wealth margin you gain.

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Optimizing taxation during the acquisition

Buying real estate is not limited to choosing an area and a neighborhood. The fiscal framework plays a crucial role in the profitability and sustainability of your investment. A tax consultant helps you lay the right foundations right from the moment you buy.

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Choosing the right tax regime

Should we opt for the Bare or furnished rental ? The real regime or the micro? These choices have a direct impact on your taxation and net income. A tax advisor analyzes your overall income, your goals and your holding horizon to determine the most advantageous tax regime.

For example, for an investor wishing to generate cash flow, the LMNP real regime (non-professional furnished rental) can make it possible to reduce rent taxes to zero for several years, thanks to the amortization of the property. On the other hand, for a more passive profile, a flat rate plan may suffice.

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Structuring the purchase intelligently

An advisor can also recommend adapted legal structures, like the SCI or the dismemberment of property. These arrangements make it possible to separate use and transmission andoptimize future transmission to your children, while keeping control of rental income.

It is also possible to integrate a logic ofBy-ownership acquisition, to reduce the taxable base at the time of purchase while preparing a long-term project.

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Reduce taxes while you own the property

Once the property is acquired, tax management does not end there. Each year, the owner must declare his rents, bear certain expenses, or even anticipate work. A real estate tax advisor intervenes to minimize taxation.

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Deduct expenses and depreciation

En Naked rental under real regime, it is possible to deduct a set of expenses: loan interest, property tax, property tax, insurance, maintenance work, rental management fees, etc. A tax specialist helps you to structure these declarations correctly so as not to forget anything.

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En furnished rental under real regime (LMNP), the amortization of property and furniture often makes it possible to completely neutralize the taxation of rents for several years. But this complex mechanism requires accurate accounting. The advisor guides you or refers you to a chartered accountant.

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Anticipating tax changes

Tax arrangements change regularly. End of Pinel, new constraints on thermal sieves, capital gains taxation, etc. A good tax advisor keeps you informed of regulatory developments. It may suggest a change in strategy: Switch to society, modify the tax regime or reorient your rental project to remain efficient.

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Optimize the resale or transmission of the property

The support of a real estate tax advisor does not end at the rental operation phase. It is also valuable for Preparing for a smart outing : whether it is a sale, a donation or an inheritance.

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Limiting capital gains tax

When reselling a property, the State levies a tax on real estate capital gain (excluding the main residence). The tax specialist helps you:

• Calculate the applicable allowances according to the length of detention.
• Integrate the work carried out (and properly justified).
• Choosing the right time to sell in order to maximize the exemption.

In some cases, it may even recommend A transition to a temporary main residence to avoid taxation entirely (in compliance with legal conditions, of course).

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Preparing for the transfer or donation

Transferring real estate to your children or spouse can generate significant inheritance taxes. The tax specialist assists you in implementing solutions such as:

• By-ownership donations, with reserve of usufruct.
• The creation of a Family SCI to split the value of the shares.
• Recourse to renewable allowances every 15 years.

This work of foresight is essential for preserve the value of heritage and avoid unjustified tax costs for your heirs.

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To find out more about how to optimize your wealth, read this article.

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What concrete results can you expect from a tax advisor?

Calling on a real estate tax advisor is not reserved for large fortunes. It is often a strategic investment that can generate savings over the long term And a better profitability.

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Reduced taxation

By choosing the right tax regime (micro-BIC, real LMNP, SCI at the IS, etc.), you can reduce your rent taxes in a sustainable way. For example, a furnished investor who switches to the real regime can deduct the depreciation of the property and completely erase the taxation on his rents for several years.

The tax specialist knows the tax loopholes applicable to your case and guides you to avoid reporting errors that could cost you money in the long run.

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Better overall profitability

It's not just about taxes. A good tax advisor also allows you to:

• Choose suitable montages to your projects (rental investment, transmission, resale...).
• Securing the procedures legal (in particular in SCI or joint ownership).
• Valuing your strategy heritage over time.

By anticipating the right choices, you mechanically increase your net return and avoid “fake deals” that are often attractive on paper, but fiscally disadvantageous.

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Conclusion: the discreet but decisive ally for your investment

Investing in real estate is not just about choosing the right property in the right place. It is also Know how to manage your taxation, anticipate the impacts on your assets, and optimize each stage of the project. The real estate tax advisor plays this role as a discreet but fundamental architect. He accompanies you with rigor and strategy so that your investment is really profitable, sustainable and secure.

Whether you are First-time investor or multi-owner, tailor-made support makes all the difference. By surrounding yourself with good experts such as a real estate hunter to find the property, and a tax advisor to get the most out of it, you are giving yourself the means to succeed.