🚀Can your home equity fund retirement without selling your property? Discover how reverse mortgages, tax strategies, and real estate investments may reshape retirement income.

Natalie Salins, host of Mortgage On My Mind and a top 1% Movement Mortgage loan officer with 20 years of experience helping LA-area buyers navigate home financing, welcomes David Reyes, founder of Reyes Financial Architecture. David brings over 30 years of mortgage lending and financial advisory experience, specializing in retirement income planning and portfolio risk management.

Discover how California homeowners and real estate investors can evaluate reverse mortgages, capital gains taxes, 1031 exchanges, and alternative strategies for managing property wealth in retirement.

🎧 Hosted by: Natalie Salins

👤 Guest: David Reyes | Founder of Reyes Financial Architecture, with 30+ years of experience in financial advising and mortgage lending.

What You’ll Learn:

✔️ How reverse mortgages may help eligible retirees access home equity without selling their homes.

✔️ How California capital gains taxes can affect decisions about appreciated real estate.

✔️ How a step-up in basis may reduce taxable gains on inherited property.

✔️ How 1031 exchanges and Delaware Statutory Trusts (DSTs) can provide tax-deferral options.

✔️ How investors may transition away from active property management while planning retirement cash flow.

✔️ How to evaluate real estate returns against the equity tied up in a property.

✔️ How annuities, retirement income, and inheritance goals can influence financial planning.

Key Questions Answered

Q: Can a reverse mortgage help fund retirement without selling a home?

A: David Reyes explains how eligible homeowners may access home equity through a reverse mortgage while deferring required mortgage payments, subject to loan conditions and ongoing obligations.

Q: How can investors defer capital gains taxes when exiting rental property?

A: David Reyes discusses 1031 exchanges and Delaware Statutory Trusts (DSTs) as potential tax-deferral strategies for eligible real estate investors seeking alternatives to direct property management.

Q: How does a step-up in basis affect inherited real estate?

A: David Reyes explains how inherited property may receive an adjusted tax basis, potentially reducing taxable capital gains when beneficiaries sell, depending on applicable tax rules.

⏳ Timestamps:

📌 0:00 – Intro: Reverse Mortgages

📌 1:40 – How Reverse Mortgages Work

📌 5:00 – Home Equity and Retirement Income

📌 6:54 – Capital Gains Taxes and Step-Up in Basis

📌 12:42 – Annuities and Retirement Income

📌 15:14 – 1031 Exchanges and DSTs

📌 20:12 – Real Estate Returns and Equity

📌 24:11 – Real Estate in Retirement

💼 Connect with David Reyes:

🌐Website → https://reyesplan.com/

📘Facebook → https://www.facebook.com/reyesfinancialarchitecture/,

📷Instagram → https://www.instagram.com/reyesfinancialarchitecture/,

🔗LinkedIn → https://www.linkedin.com/company/reyes-financial-architecture/,

▶️ Youtube → www.youtube.com/@ReyesPlan

🎧 Follow Natalie Salins:

🌐Website → https://movement.com/lo/natalie-salins

🔗LinkedIn → https://www.linkedin.com/in/natalie-salins-1029583b/?isSelfProfile=false

📷Instagram → https://www.instagram.com/natalie_salins/?hl=en

📘Facebook →: https://www.facebook.com/natalie.salins/

📌 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!

⭐ Produced by Icons of Real Estate - https://iconsofrealestate.com/

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