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Short-term rental loophole estimator

Estimates the year-one deduction if your short-term rental qualifies as non-passive — average stay ≤ 7 days and material participation. Read the guide and how people fail it before trusting any number here.

State rates are approximate 2026 top marginal rates for single filers (editable) — graduated brackets, local taxes (e.g., Maryland counties), and special levies (e.g., Washington capital gains) are not modeled.

"If you qualify" is the whole game: hours logged contemporaneously, more than anyone else including cleaners and co-hosts, and a true ≤7-day average stay. A management company generally ends the analysis.

Educational estimate only — simplified assumptions, not tax advice, and not a substitute for a calculation on your actual return. Limits and rates change annually.