Is Cost Segregation Worth It For Me? Worked Scenarios
Find the row that matches your basis band and investor profile. Each scenario walks the math through the 3-Bucket Decision Framework, then says whether the losses are usable this year or whether they suspend.
Is Cost Segregation Worth It on a Under $300K Property for a W-2 high earner (doctor, lawyer, executive)?
High W-2 income $400K+; can offset W-2 if STR loophole or REPS qualified
Is Cost Segregation Worth It on a Under $300K Property for a Short-term rental operator?
Self-managed STR, qualifies for STR loophole if mat part met
Is Cost Segregation Worth It on a Under $300K Property for a Syndication LP?
Passive income from K-1, losses suspended unless other passive income
Is Cost Segregation Worth It on a Under $300K Property for a Full-time real estate investor (REPS qualified)?
750+ hours, more than half test met; can offset W-2 and active income
Is Cost Segregation Worth It on a Under $300K Property for a Retiree converting to rental?
Lower marginal rate, may have other passive income to offset
Is Cost Segregation Worth It on a $300K-$500K Property for a W-2 high earner (doctor, lawyer, executive)?
High W-2 income $400K+; can offset W-2 if STR loophole or REPS qualified
Is Cost Segregation Worth It on a $300K-$500K Property for a Short-term rental operator?
Self-managed STR, qualifies for STR loophole if mat part met
Is Cost Segregation Worth It on a $300K-$500K Property for a Syndication LP?
Passive income from K-1, losses suspended unless other passive income
Is Cost Segregation Worth It on a $300K-$500K Property for a Full-time real estate investor (REPS qualified)?
750+ hours, more than half test met; can offset W-2 and active income
Is Cost Segregation Worth It on a $300K-$500K Property for a Retiree converting to rental?
Lower marginal rate, may have other passive income to offset
Is Cost Segregation Worth It on a $500K-$1M Property for a W-2 high earner (doctor, lawyer, executive)?
High W-2 income $400K+; can offset W-2 if STR loophole or REPS qualified
Is Cost Segregation Worth It on a $500K-$1M Property for a Short-term rental operator?
Self-managed STR, qualifies for STR loophole if mat part met
Is Cost Segregation Worth It on a $500K-$1M Property for a Syndication LP?
Passive income from K-1, losses suspended unless other passive income
Is Cost Segregation Worth It on a $500K-$1M Property for a Full-time real estate investor (REPS qualified)?
750+ hours, more than half test met; can offset W-2 and active income
Is Cost Segregation Worth It on a $500K-$1M Property for a Retiree converting to rental?
Lower marginal rate, may have other passive income to offset
Is Cost Segregation Worth It on a $1M-$2M Property for a W-2 high earner (doctor, lawyer, executive)?
High W-2 income $400K+; can offset W-2 if STR loophole or REPS qualified
Is Cost Segregation Worth It on a $1M-$2M Property for a Short-term rental operator?
Self-managed STR, qualifies for STR loophole if mat part met
Is Cost Segregation Worth It on a $1M-$2M Property for a Syndication LP?
Passive income from K-1, losses suspended unless other passive income
Is Cost Segregation Worth It on a $1M-$2M Property for a Full-time real estate investor (REPS qualified)?
750+ hours, more than half test met; can offset W-2 and active income
Is Cost Segregation Worth It on a $1M-$2M Property for a Retiree converting to rental?
Lower marginal rate, may have other passive income to offset
Is Cost Segregation Worth It on a $2M-$5M Property for a W-2 high earner (doctor, lawyer, executive)?
High W-2 income $400K+; can offset W-2 if STR loophole or REPS qualified
Is Cost Segregation Worth It on a $2M-$5M Property for a Short-term rental operator?
Self-managed STR, qualifies for STR loophole if mat part met
Is Cost Segregation Worth It on a $2M-$5M Property for a Syndication LP?
Passive income from K-1, losses suspended unless other passive income
Is Cost Segregation Worth It on a $2M-$5M Property for a Full-time real estate investor (REPS qualified)?
750+ hours, more than half test met; can offset W-2 and active income
Is Cost Segregation Worth It on a $2M-$5M Property for a Retiree converting to rental?
Lower marginal rate, may have other passive income to offset
Is Cost Segregation Worth It on a Over $5M Property for a W-2 high earner (doctor, lawyer, executive)?
High W-2 income $400K+; can offset W-2 if STR loophole or REPS qualified
Is Cost Segregation Worth It on a Over $5M Property for a Short-term rental operator?
Self-managed STR, qualifies for STR loophole if mat part met
Is Cost Segregation Worth It on a Over $5M Property for a Syndication LP?
Passive income from K-1, losses suspended unless other passive income
Is Cost Segregation Worth It on a Over $5M Property for a Full-time real estate investor (REPS qualified)?
750+ hours, more than half test met; can offset W-2 and active income
Is Cost Segregation Worth It on a Over $5M Property for a Retiree converting to rental?
Lower marginal rate, may have other passive income to offset
Is Cost Segregation Worth It If I'm Selling in 2 Years?
Cover Section 1245 recapture impact, NPV comparison, 1031 deferral
Is Cost Segregation Worth It on a Property I Bought 5 Years Ago?
Look-back study via Form 3115 with Section 481(a) catch-up, no amended returns
Is Cost Segregation Worth It in a Decoupled State Like California?
Federal benefit only, state addback required, Section 179 still works at lower cap
Is Cost Segregation Worth It on a Syndication K-1 With Passive Income?
Yes if other passive income to absorb, otherwise suspended losses
Zawwad Ul Sami, Founder
Zawwad Ul Sami is the founder of WeCostSeg, a founder-led cost segregation firm serving real estate investors across the US. He focuses on strategy, pricing, and the firm's overall direction.