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“name”: “KDA Inc. u2014 Real Estate CPA San Diego”,
“description”: “Specialized real estate CPA services for San Diego, California investors. Cost segregation, 1031 exchanges, REPS, STR loophole, and entity structuring.”,
“url”: “https://kdainc.com/real-estate-cpa-san-diego-ca”,
“telephone”: “+1-800-KDA-TAXES”,
“areaServed”: {
“@type”: “City”,
“name”: “San Diego”,
“containedInPlace”: {
“@type”: “State”,
“name”: “California”
},
“postalCode”: “92110”
},
“serviceType”: [
“Real Estate CPA”,
“Cost Segregation Analysis”,
“1031 Exchange Planning”,
“Real Estate Professional Status Qualification”,
“Short-Term Rental Tax Strategy”,
“Real Estate Entity Structuring”
],
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“itemOffered”: {
“@type”: “Service”,
“name”: “1031 Exchange Planning”
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“@type”: “Offer”,
“itemOffered”: {
“@type”: “Service”,
“name”: “REPS Qualification”
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“itemOffered”: {
“@type”: “Service”,
“name”: “STR Loophole Strategy”
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{
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“mainEntity”: [
{
“@type”: “Question”,
“name”: “What is bonus depreciation and how does it work for real estate in 2026?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “In 2026, bonus depreciation is back to 100% permanently thanks to the One Big Beautiful Bill Act. For real estate investors in San Diego, this means that any 5-, 7-, or 15-year property identified through a cost segregation study can be fully deducted in the year of acquisition. Previously, bonus depreciation had phased down to 60% in 2024 — the restoration to 100% is the single biggest tax change for real estate investors since 2017.”
}
}, {
“@type”: “Question”,
“name”: “How do I handle security deposits for tax purposes?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Security deposits create a common tax mistake for San Diego landlords: reporting them as income when received. They are NOT income — they are a refundable liability. Only when you keep all or part of the deposit (for unpaid rent or damages) does it become taxable. KDA’s San Diego real estate CPA team will review your rental accounting and ensure security deposits are handled correctly, preventing both over-reporting of income and potential audit issues.”
}
}, {
“@type”: “Question”,
“name”: “How much does a real estate CPA cost in San Diego?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Think of a real estate CPA not as a cost but as an investment with a measurable ROI. KDA clients in San Diego typically save $10,000–$50,000+ in taxes annually through strategies like cost segregation, bonus depreciation, and REPS election — savings that far exceed our fees. Schedule a free consultation and we’ll show you exactly what your portfolio can save.”
}
}, {
“@type”: “Question”,
“name”: “How does the at-risk rules limitation affect real estate investors?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “The at-risk rules (IRC Section 465) limit your deductible losses to the amount you have ‘at risk’ in the activity — generally your cash investment plus any recourse debt for which you are personally liable. For real estate, qualified nonrecourse financing (loans from commercial lenders secured by the property) is treated as at-risk, which is a special exception that makes real estate more favorable than other investments. Most San Diego real estate investors are not limited by the at-risk rules because their mortgage debt qualifies as at-risk. KDA’s team will confirm your at-risk status and ensure your losses are fully deductible.”
}
}, {
“@type”: “Question”,
“name”: “What is a cost segregation study and how does it save taxes?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “A cost segregation study is performed by a qualified engineer who physically inspects your property and identifies every component eligible for accelerated depreciation. The result is a detailed report that your CPA uses to dramatically front-load your depreciation deductions. KDA’s San Diego team works with certified cost segregation engineers and has helped clients generate $50,000–$300,000+ in first-year tax savings from a single study.”
}
}, {
“@type”: “Question”,
“name”: “How do I handle real estate investments in a divorce?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Real estate division in a San Diego divorce requires careful tax analysis because the ‘equal’ division of assets is rarely equal on an after-tax basis. A property worth $1M with a $200,000 basis (significant accumulated depreciation) has a much larger embedded tax liability than a property worth $1M with a $900,000 basis. The receiving spouse inherits the low basis and will owe taxes on the full gain when they eventually sell. KDA’s team will calculate the after-tax value of each property and help you negotiate a truly equal settlement.”
}
}, {
“@type”: “Question”,
“name”: “Does California conform to federal 1031 exchange rules?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “California generally conforms to federal 1031 exchange rules — you can defer capital gains on California real estate by exchanging into like-kind property. However, California has a unique ‘clawback’ provision: if you exchange California property for out-of-state property, California tracks the deferred gain and taxes it when the replacement property is eventually sold — even if you’ve moved out of California by then. This is reported annually on FTB Form 3840. KDA’s San Diego team will structure your 1031 exchange to account for California’s clawback rules and minimize your long-term CA tax exposure.”
}
}, {
“@type”: “Question”,
“name”: “What is the difference between active, passive, and portfolio income for real estate investors?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “The active/passive/portfolio distinction is the foundation of real estate tax strategy. For San Diego investors, the optimal structure is: (1) hold rental properties as passive investments to avoid self-employment tax; (2) qualify for REPS or STR loophole to convert passive losses to active deductions; (3) hold properties long-term to convert ordinary income to capital gains; (4) use 1031 exchanges to defer capital gains indefinitely. KDA’s real estate CPA team will design your portfolio structure to minimize taxes across all income categories.”
}
}, {
“@type”: “Question”,
“name”: “What are the California FTB audit triggers for real estate investors?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “FTB audits of real estate investors typically focus on three areas: (1) residency — California aggressively pursues former residents who claim to have moved while still owning California real estate; (2) passive loss claims — especially REPS and STR loophole elections; and (3) 1031 exchange compliance — particularly out-of-state exchanges and annual Form 3840 filing requirements. KDA’s San Diego real estate CPA team builds comprehensive audit files for every client, ensuring that every position is documented and defensible.”
}
}, {
“@type”: “Question”,
“name”: “How does Airbnb income get reported on my tax return?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Airbnb sends a Form 1099-K if you receive more than $600 in payments (2026 threshold). Your income is reported on Schedule E for most STRs, with all allowable deductions netting against gross rental income. If your property qualifies for the STR loophole (average stay ≤7 days, material participation), net losses can offset your other income. KDA’s San Diego team will ensure your Airbnb income is reported correctly, all deductions are captured, and your STR loophole eligibility is documented.”
}
}
]
}