Capital gains, mortgage interest deduction caps, NIIT, tax-loss harvesting, and how high-bracket math actually plays out for an HNW buyer.
Property tax mortgage calculator for HNW buyers in CA, NY, NJ, MA, FL: $3M worked examples and how the 2026 SALT cap phase-down hits after-tax cost.
Read more about Property Tax Mortgage Calculator: HNW High-Tax State Math →After-tax mortgage calculator for HNW buyers: the $750K cap, the 2026 SALT phase-down, and a 7.39% jumbo that prices to about 6.4% after tax, not 3.99%.
Read more about After-Tax Mortgage Calculator: True Net Cost of Your Payment →If you're about to liquidate portfolio assets for a home down payment, a disciplined tax-loss harvesting pass can save six figures. Here's the timing and the playbook.
Read more about Tax-Loss Harvesting Before a Home Purchase: Playbook →The $750K mortgage interest cap, now permanent, is why a $2M jumbo costs more than buyers expect. How to model it, SALT phase-down included.
Read more about The $750K Mortgage Interest Deduction Cap for HNW →SBLOC is not always the answer. For many HNW home purchases, especially loans near the $750K deduction cap, a jumbo at the right bank is cheaper, safer, and cleaner.
Read more about Jumbo Mortgages for HNW Buyers: When Banks Still Win →Federal LTCG, NIIT, and state taxes don't add — they stack. Here's how the layers compose, what your real combined rate is by state, and the bracket math that turned my own SBLOC research from 'is this cheaper' into 'is this avoidable.'
Read more about Capital Gains Tax on Home Down Payments Explained →