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Posted

I received a 1099-a for the foreclosure which occurred on my rental property in Florida. It stated that my balance, box 2 was $241,579.12, and my fair market value, box 4, according to the bank was alos 241,579.12.

What does this mean in terms of taxe liability?

Mikey123

Posted

It means that if you didn't have a second mortgage, the "sale" back to the bank didn't produce any gain or loss according to the bank. You still have to see your basis and use the FMV on the 1099a as the selling price.

Posted

And it looks like we just answered a question from a taxpayer - not a tax professional..which is fine I guess - I answer phone questions on a basic knowledge basis. Would he not still have to consider recapturing depreciation as ordinary income?

Posted

Exactly. That's why I didn't elaborate on my answer, but I tried to answer his direct question. At the end he might have a passive business loss after he recaptures.

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