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w2costsegw2

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STR / W-2 Vertical · Updated 05/2026

Use your short-term rental to offset your W-2 income.

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{cta} → How it works

✓ CPA-Ready Guarantee — if your CPA can't use the report, we revise it free or refund.

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The Mechanism

Three IRS provisions stack into a W-2 deduction.

Each provision alone gives you nothing. Together, they convert a passive real-estate loss into a non-passive deduction that hits your W-2 dollar-for-dollar.

The 7-day average rule

IRC §469 · Treas. Reg. §1.469-1T(e)(3)(ii)(A)

If your guests stay an average of seven days or less, the activity is not a "rental activity" under §469 — it's a trade or business. Losses lose their passive character.

↓Result: Activity becomes non-rental.

Material participation

Treas. Reg. §1.469-5T (seven tests)

Once non-rental, you only need to materially participate. The most common test: 100+ hours managing the STR and more than anyone else (no tax-pro hours competing).

↓Result: Losses become non-passive — they touch W-2.

Cost segregation amplifies it

Rev. Proc. 87-56 · IRS ATG Pub. 5653

Standard 27.5-yr depreciation produces small W-2-offsetting losses. A cost seg study reclassifies 25–35% of basis to 5/15-yr property — fully deductible Year 1 under bonus depreciation.

↓Result: Year-1 deduction multiplies 8–12×.

Stacked outcome — typical $750K STR

$142,400 Year-1 deduction · 37% bracket

= $52,688

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A $750K STR. A $52K W-2 reduction. One year.

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$52,688

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The Process

Order to refund in four steps.

The whole thing — from clicking "order" to your CPA filing — takes a single afternoon of your time. Refunds typically hit within 2–6 weeks of filing.

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Client Outcomes

Real W-2 earners. Real refunds.

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Pricing

Three tiers. Same engineering team.

Tier is determined by property basis. All include the full engineering study, IRS-compliant workpapers, and the CPA-Ready Guarantee.

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Why CostSegW2

Built for the STR / W-2 case specifically.

Generic cost seg firms model commercial buildings. We're the STR/W-2 vertical of costsegsmart.com — one team, one focus, one playbook for converting your short-term rental into a W-2 tax shield.

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When this doesn't work.

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FAQ

The questions CPAs ask first.

Six things buyers want to know before ordering. If yours isn't here, ask us — we publish answers monthly.

✦ Have another? Email us

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The study takes under an hour.

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{cta} → Download playbook {C.final.routes}

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