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Chloe Martin
Just to add another perspective - I had my CPA handle a similar situation with a $18k loan from my dad that went into my business Venmo. She documented it as a "loan between related parties" and kept records of the repayment schedule. We reported the 1099-K amount on Schedule C, then deducted it as "non-income deposits." She also created a simple loan document for us to sign retroactively (dated appropriately) to have as backup documentation in case of an audit. Said the whole thing took her about 15 extra minutes and was very routine.
Diego Rojas
ā¢Do you know if your CPA charged extra for handling the loan documentation? And did she suggest any particular format for the loan agreement? I'm trying to decide if I should do this myself or hire someone.
Chloe Martin
ā¢She didn't charge me extra since it was part of my regular tax prep service. The loan document was super simple - just a one-page agreement stating the loan amount, that there was no interest (since it was family), and the repayment terms. She said even a simple document is better than nothing. For deciding whether to DIY or hire someone, it really depends on how comfortable you are with taxes. If this is your only unusual situation and everything else is straightforward, you might be fine handling it yourself with some research. But if you have a complex return anyway, might be worth getting professional help.
Has anyone had the IRS actually question this kind of transaction? I'm in the same boat with $13k my mom loaned me through PayPal for my business, and I'm worried about an audit.
StarSeeker
ā¢I had this exact situation last year. The IRS sent me a letter asking about a discrepancy between reported income and the 1099-K amount. I sent them a copy of the loan agreement, bank statements showing repayment, and a brief explanation letter. They accepted it without further questions. Just document everything clearly!
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Don't forget that different states have different inheritance tax rules too! The federal stepped-up basis is just part of it. What state is this property in? Some states have inheritance taxes separate from federal taxes.
The property is in Arizona. I hadn't even thought about state-specific taxes, though. Do they handle the basis calculation differently there?
Arizona doesn't have a state inheritance tax or estate tax, so you're in luck there! You'll only need to worry about federal taxes on any gain above your stepped-up basis. Arizona follows the federal rules for stepped-up basis, so whatever fair market value you establish for federal tax purposes will also work for your Arizona state tax return. Just make sure you keep thorough documentation of how you determined the property's value at the time of inheritance.
Have you considered just using the sale price as the fair market value for your stepped-up basis? Since it sold within a couple years of your mom's passing and was apparently just sitting there undeveloped, you could argue the value at death wasn't significantly different?
That's terrible advice and could get OP audited. The IRS specifically looks for people claiming no gain on inherited property sales. The stepped-up basis has to be established at date of death, not date of sale. If there was significant appreciation between those dates (like a developer suddenly becoming interested), claiming no gain would raise red flags.
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Another option is to check property tax records for similar homes that sold recently in your area. I did this before buying my house and it gave me a pretty good idea of what to expect. The county assessor's website usually has public records of property values and tax amounts. Look for homes that are similar in size, age and features to the one you're buying, and that sold within the last year. See what their assessed value became after sale and what their current tax bill is. It won't be exact, but it can give you a ballpark figure to work with.
Do you know if there's a way to see just the reassessed properties? When I look at the county website, I can't tell which ones have been recently reassessed vs ones that haven't changed hands in years.
Most county websites allow you to filter or sort by "sale date" or "transfer date." Once you find properties with recent sales, you can look at their assessment history to see both the before and after values. The assessment records typically show the date of assessment changes as well. If your county site doesn't have good filtering options, you can usually still see the last sale date on each property record. Just look for ones that sold recently, then check if their assessed value changed after that sale date.
Connor Byrne
One thing nobody's mentioned - don't forget about supplemental tax bills! When I bought my house, I got hit with a "supplemental assessment" about 4 months after closing. Basically, they charge you the difference between the old owner's tax rate and your new rate for the partial year you've owned it. So even though the regular annual bill might not change until next year, you could still get an additional bill sooner to make up the difference. I wasn't expecting this and it threw off my budget for a few months.
Yara Elias
ā¢This happened to me too! I got a random $1,200 bill about 5 months after moving in. My mortgage company didn't handle it because it was outside the normal property tax schedule.
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For what it's worth, I'm a rideshare driver and I accidentally left the commuting miles section blank last year. Nothing happened - no audit, no questions, nothing. The IRS is way too busy to audit people over something this minor, especially when the business miles make sense for your profession. Just make sure you have some kind of records backing up your business mileage in case they ever do ask questions. Even a basic log showing dates, destinations and odometer readings would be sufficient.
That's reassuring to hear! Did you keep detailed mileage logs or just estimates? I have a general record of client visits but didn't track the exact odometer readings for every trip.
I keep a simple spreadsheet with the date, starting odometer, ending odometer, and purpose of trip. Nothing fancy. I also save my gas receipts and maintenance records as backup evidence of how much I'm actually driving. Even if your records aren't perfect, having something is better than nothing. The IRS knows most people aren't keeping NASA-level precise records. If you can show you made a good faith effort to track your business miles and that the total claimed is reasonable for your line of work, you should be fine.
Just to add another perspective - the total mileage you reported actually matters more than leaving one category blank. If your business miles seem reasonable compared to your profession and income reported, you're likely fine. What tends to trigger flags is when someone claims an unusually high percentage of their total driving as business miles, like saying 95% of all driving was business-related. Your numbers (25996 business, 2999 personal) show about 90% business use, which is high but could be completely legitimate depending on your work.
Ellie Perry
ā¢This makes a lot of sense. I've always heard that claiming more than 80% business use is a red flag, but I guess it really depends on what you do for work. A traveling salesperson or consultant might legitimately use their car almost exclusively for business.
Oliver Fischer
Not sure if this helps but I found another option - some public libraries offer free tax help sessions with volunteers who can answer questions like this. My local library partners with AARP Tax-Aide and they helped me with 1099-B questions last year. Worth checking if your library offers something similar!
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Natasha Ivanova
ā¢These volunteer programs are hit or miss for investment questions though. I tried VITA last year and the volunteer wasn't comfortable answering my stock trading questions. Said they mostly handle basic returns without investment income.
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NebulaNomad
If it's just a few simple stock trades, Reddit has a subreddit called r/tax where professionals answer questions for free. I've gotten good advice there before. Just be specific about your question and don't include personal info.
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