What Changed With Utah Investors One Big Beautiful Bill

The bill restores 100% bonus depreciation for qualifying investment property. In simple terms — cost segregation lets you write off a big chunk of an investment property upfront instead of slowly over 27.5 years.

As a result, you get faster tax savings, stronger cash flow, and less money going to the IRS.

Utah Example — Why This Matters Today

Average Utah rental: $500,000
Down payment: $100,000 (20%)
Average cost segregation benefit: 15–20% qualifies for immediate write-off

Write-off: roughly $75,000–$100,000.
If you make about $200K/year — that’s $25K–$30K in real tax savings.

So you can either pay the IRS $30,000… or use that same $30,000 to buy an appreciating asset that also cash-flows.

The Real Catch (Because There Always Is)

• You’ll need a cost segregation study ($3K–$6K)
• You must qualify under passive loss rules or RE professional status to use all benefits now

Bottom Line for Utah Investors

You can spend money on taxes, or you can spend that same money building assets.

If you’re even slightly curious, now’s the time to explore investment financing options.

Because this window — where bonus depreciation is back to 100% — may not stay open forever.

Want to see what this could look like for your income and a Utah investment property? Let’s run your numbers.

Written by Anthony VanDyke, Utah Mortgage Broker — NMLS #247102 — President at Houzd Mortgage in Draper, Utah.

A mortgage broker since 2006, Anthony has helped thousands of Utah families build a stronger financial future, one home at a time. He believes a mortgage isn’t just a loan — it’s a long-term financial strategy that can shape a family’s wealth and peace of mind.

See what you qualify for with Anthony’s Purchase Qualifier Tool.

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