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5 Outstanding Tax Benefits Of Real Estate Investing For Doctors

5 Outstanding Tax Benefits Of Real Estate Investing

If you’re a high-income earner, it’s probably safe to say that you’d like to avoid taxes at all costs, right? We’ve looked at different tax advantages in the past with ideas how we can reduce out taxable income.

One of the main reasons that readers of this blog join the Passive Investors Circle is to find out ways to lower their large income tax bill. Specifically, they want to know all of the tax deductions and wonderful tax benefits of real estate investing that’s out there for the picking.

Regarding taxes, it’s one of the 4 MAIN ways to make money in real estate.

Before we take a deep dive into the tax benefits of real estate investing, let’s quickly review the three other ways first.

Disclaimer: I am not a tax professional only a periodontist! Make sure that you consult your CPA or tax professional before making any decisions.

How To Make Money In Real Estate

#1 Cash flow

“Buying or building assets that deliver cash flow is putting your money to work for you. High-paying jobs mean two things: you’re working for money and the taxes you pay will probably increase.” – Robert Kiyosaki

Cash flow is something that author Robert Kiyosaki talks about quite frequently in his books such as:

Rich Dad Poor Dad

The CashFlow Quadrant

Cash flow is how we can self-medicate ourselves to relieve the symptom of the fear of running out of money during retirement.

What is cash flow?

Here’s a couple of basic formulas you should know regarding cash flow from rental property:

Gross rents – expenses = Net Operating Income (NOI)

NOI – debt – long-term repairs = Cash Flow

*My goal for you is to get you motivated to create multiple streams of income through passive investments.

When you invest properly in a correctly managed apartment complex, it produces a positive cash flow in excess of expenses.

Positive cash flow = a surplus

Negative cash flow = a deficit

If you’re invested in an apartment syndication that collects $20,000 a month and expenses are $16,000, then your cash flow is $4,000 each month.

#2 Appreciation

Appreciation is the increase in the value of an investment property over time. It’s an important variable which plays a key role in defining the profit from a property for a real estate investor.

Whenever someone is considering investing in apartment complexes, they should pay attention to what improvements are being performed in order to increase the future value.

Many of the investments that are available to members of the Passive Investors Circle are called value-add properties.

This produces forced appreciation caused by the improvements made such as:

painting

landscaping

remodeling

parking lot repairs/replacements

addition of new facilities (i.e. swimming pool, playground, etc.)

addition of new services such as a laundry room, covered parking, internet, cable/satellite, etc.

By making these improvements, rent can gradually be raised over the normal 5-7 year hold period these deals have before turning around and selling them at a higher price due to this forced appreciation.

Income producing real estate, especially apartments, increase in value either because you physically improve the property, increase the rents, or reduce the expenses (or all of the above).

#3 Mortgage pay down

Typically the sponsors involved with apartment syndications use debt to finance them.

This is no different than using a mortgage to finance your home except for one main difference….regarding your home, you’re the one that has to pay the mortgage.

But in a multifamily investment, the tenants pay if off for you. This allows you to build wealth automatically and who wouldn’t like that?

Now that we’ve discussed three of the four main ways to make money in real estate, let’s turn our attention to the tax benefits and just how much we’re paying in taxes these days.

America’s Tax Bill

Let’s face it. During our careers, taxes will be our BIGGEST expense.

As a matter of fact, TaxFoundation.org shows that last year we paid over 5 Trillion in federal, state and local taxes.

This was MORE than we paid for our basic needs:

food

clothing

shelter

By now you realize our nation as a whole pays a lot of taxes so let’s take a look at how real estate can help offset some of this.

5 Outstanding Tax Benefits Of Real Estate Investing

#1 Depreciation

Depreciation is one of the most powerful wealth building tools in real estate. Read that sentence again and let it really sink in.

It allows you to write off the value of an asset over time.

Instead of using real estate as an example, let’s use a computer. Once you buy a computer and put it into service, it immediately starts to go down in value. Over a period of 1,3 or 5 years, it really starts to lose its value.

Even though commercial real estate usually appreciates in value, the IRS allows you to depreciate its value called a paper or phantom loss.

They allow you to subtract the losses against the income which will REDUCE your tax burden.

Useful life

As you can imagine, every asset has a different lifespan.

For residential real estate, the IRS allows you to write off the value of the property over 27.5 years as they determine that to be its useful life.

For commercial real estate, the depreciation schedule is longer, 39 years.

Straight-line depreciation example

$4,000,000 property investment

$200,000 Net operating income (NOI)

No loan

When you go to depreciate the property, you’ve got to break it up into 2 areas:

Land

Building

Land is not depreciable which is why you must subtract out the land value.

If we take our $4,000,000 property and subtract out the land, then we can break it up into the following:

$4,000,000 – $1,250,000 = $2,750,000

Land: $1,250,000

Building: $2,750,000

The results

In this scenario (we’re assuming you’re in a 37% tax bracket), the IRS allows you to depreciate $100,000 a year over the next 27.5 years as a paper loss. ($2,750,000/27.5 yrs = $100,000)

Remember, the NOI was $200,000 but we’re NOT going to have to pay taxes on that amount. Why? Well you are allowed to subtract out that depreciation expense. ($200,000 – $100,000 = $100,000)

You’re only going to be taxed on the $100,000.

Tax without depreciation

$200K x 37% = $74,000

Tax with depreciation

$100K x 37% = $37,000

As you can see, with depreciation, the amount of taxes you have to pay are cut in half! That’s the power of depreciation.

#2 Cost Segregation Study – Accelerated Depreciation

This is where the real tax savings occur. The IRS allows you to front load or accelerate the depreciation. This can be accomplished via a cost segregation study.

Instead of taking the property and dividing into 2 components (building and land), you now divide it into 4 components:

Land

Building

Personal Property

Land Improvements

So now, from the building, you’ve moved out personal property and land improvements.

Personal property is the non-permanently affixed items to the building such as: carpet, cabinets, drapes, etc. It gets depreciated either over 5 or 7 years.

Land improvements are just what it sounds like, any improvements to the land such as: parking lots, curbs, swimming pool, sidewalks, etc. It gets depreciated over 15 years.

Let’s continue using the above example:

$4,000,000 property

$1,250,000 land

We’re now left with the $2,750,000 building but we can break it up into personal property and land improvements.

$2,750,000 – $300,000 – $250,000 = $2,200,000 which is what the building is NOW worth

$2,200,000 building/27.5 = $80,000

Remember, we’re allowed to depreciate $80,000/year for the next 27.5 years.

$300,000 personal property/5 = $60,000

We can depreciate $60,000 each year over the next 5 years due to the personal property.

$250,000 land improvement/15 = $16,670

We can depreciate $16,670/yr over the next 15 years due to the land improvement.

Total depreciation: $156,670 = ($80,000 + $60,000 + $16,670)

$200,000 – $156,670 = $43,330

We’re now only taxed on the $43,330!

Results

Tax without depreciation

$200K x 37% = $74,000

Tax with depreciation

$100K x 37% = $37,000

Tax with accelerated depreciation

$43,330 x 37% = $16,032

With using the accelerated depreciation, our tax bill lowers even more to $16,032.

I hope you’re starting to see how great adding real estate, even passive real estate, to your portfolio can be to grow your wealth.

#3 Bonus Depreciation

But wait…there’s MORE!!

Just when you thought it couldn’t get any better, it actually does!

Bonus depreciation is a form of accelerated depreciation. Instead of taking something over a 5,7 or 15 year depreciation, you’re benefit can be taken in the FIRST YEAR.

Say what?

youtube

The Tax Cuts and Jobs Act in 2017 was passed that stated if property was or is purchased from 9/28/17 to 12/31/22 then you can get a first year 100% benefit.

Unfortunately, this benefit is going to get phased out by 20% each year through 2026.

Let’s revisit our example:

$4,000,000 property

$1,250,000 land

$2,200,000 building/27.5 = $80,000

$300,000 personal property / 5 = $300,000

$250,000 land improvement / 15 = $250,000

Now, instead of taking the personal property and dividing it by 5 and taking the land improvement and dividing it by 15, we can take the entire benefit in year one.

$80,000 + $300,000 + $250,000 = $630,000 in paper loss which easily cancels out the $200,000 in gains. As a matter of fact, not only does it erase it, it leaves you with $430,000 of depreciation that first year.

Total depreciation: $630,000

$200,000 – $630,000 = -$430,000

Results

Now with the bonus depreciation, it’s entirely wiped out the $200,000 so you’re tax on $0 is zero!

Tax without depreciation

$200K x 37% = $74,000

Tax with depreciation

$100K x 37% = $37,000

Tax with accelerated depreciation

$43,330 x 37% = $16,032

Tax with Bonus Depreciation

$0 x 37% = $0

#4 The 1031 Exchange

The term 1031 Exchange is defined under section 1031 of the IRS Code. This is one of the most quoted tax benefits of real estate investing.

This strategy allows an investor to “defer” paying capital gains taxes on an investment property when it is sold, as long another “like-kind property” is purchased with the profit gained by the sale of the first property.

Real estate mogul Grant Cardone gives us the 1031 exchange timeline plus a specific example from one of his callers in the video below:

youtube

Capital gains taxes

The deferred taxes are the capital gains taxes upon selling the property. The IRS is ALWAYS going to want a piece of your newfound wealth. These so called “windfalls” are what’s considered capital gains and most are taxed at 15-20%.

As far as how long they’re deferred for….it could be indefinitely, or at least until you die. As long as you follow the IRS rules, you can defer those taxes forever and ever.

1031 Exchange Timeline And Steps

I’d recommend that you use a 1031 intermediary and/or consult with a tax attorney before attempting this on your own.

Here’s a break down of the 1031 exchange timeline:

1) Exchange (sell) one investment property for another (like-kind). It must be real estate for real estate.

2) The property that is going to be replacing the original property must be of equal or greater value.

3) Here’s where we get into the rules of the 1031 exchange timeline.

Timeline #1 – You have 45 days after you sell your property to identify up to 3 new properties. This can be done in writing but you have to purchase one or more of them.

Timeline #2 – You have 180 days to close on one or more of the three properties that were identified.

4) In order to assist with this process, an intermediary has to help. This means that all the funds need to go through a neutral party.

5) After agreeing on a sales price, your intermediary must wire the capital gains to the title holder/company.

6) Fill out the appropriate IRS form 8824.

In essence, this section allows you a way to defer taxes by exchanging one property and replace it with a like-kind property. Basically you’re able to take all of the proceeds from the sale of one property and buy another and the taxes on the transaction are deferred.

#5 No Self-Employment or FICA Taxes

Good news! Rental income is not subject to social security and Medicare taxes.

Depending on whether you practice in a group or are self-employed, you could be paying anywhere from 7.65% to 15.3% toward this FICA tax on other income.

The tax is in the amount of 15.3% and it is split 50/50 between the employer and the employee.

If you’re self-employed like myself and have no employer, you’re responsible for the full 15.3% self-employment tax.

Again, this might depend on how you classify your self-employment (example S vs C), but that 15.3% could be a significant amount. It just goes to show that all income is not treated equal.

It’s a reason to push for more passive income sources–particular those designated as such in the eyes of the IRS.

Summary

Whether you’re currently a real estate investor or not, it’s never a bad idea to begin learning about the tax benefits of real estate investing.

Are you ready to start learning about how you can lower your tax bill with real estate investing?

Join the Passive Investors Circle today.

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"25 year term life insurance quotes

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I'm getting my licence next week and I was wondering how much insurance cost for teens.?

Where can I find cheap young male car insurance on any car?

I'm a 17 year old driver who has just passed my test and when i go to quote myself on any car its either unquotable or something like 20,000 a year or something stupid even with immobilizers trackers parked in a garage etc and when i put my mum as the main driver (she has 5 year NCD) it only dropped like 200 so i don't understand how people are getting it below 10000 let alone 2000. I haven't bought a car yet but could somebody tell me what is the up most cheapest car to insure and all the combinations that make it cheaper. Once more annoying is that I live in a pretty nicer area so you wouldn't think it would cost as much compared to other people but they seem to get theirs cheaper.""

Can I get an auto insurance policy for rental cars only?

I often rent cars and end up paying insurance. My credit card covers collision damage waiver (CDW) but not liability, which is required by law in states like California. Is there a policy I can get from an auto insurance company that will give me liability for a good price? I'm tired of paying $10/day for something I never end up using.""

Paying for Insurance question?

Okay, is it possible for me to pay for insurance for only a few days rather than a month at a time? If so, how?""

Would it be cheaper to insure a VW Golf for an 18 year old as a name driver on my parents insurance ?

I hear that a VW Golf is really expensive to insure for an 18 year old. Would it be cheaper if the car was insured for my parents and I was a name driver on that insurance ?

Car insurance for a 21 yr old living in ny?!?

Approx how much does car insurance, per month, cost for a 21 yr old college student from abroad in ny? My sister who lives in the country pays about 130 dollars per month in MA.""

What would be the insurance rates for a 16 year old with aford maverick?

I have good grades no felonies pretty much no anything. How much would it be for a 1971 ford maverick

Where can i get cheap Car Insurance?

here you go a website that can help you find the best auto insurance in your area http://is.gs/7xg

""Can I lose in small claims court if I got into a accident that wasn't my fault, but I didn't have insurance?""

Can I lose in small claims court if I got into a accident that wasn't my fault, but I didn't have insurance?""

Health insurance plans that cover maternity?

I live in Texas, and am looking for a health insurance plan that will cover maternity that is reasonably priced.""

Where can I find the cheapest car Insurance in NJ?

I trying to find insurance that is not not less expensive does someone know where I can go to get this?

What is a cheap affordable coupe for a teen?

i understand the insurance issue. im 17 . I absolutely love the 03 g35 coupe, but im starting to realize i cant afford to maintain, insure and repair it :( what else similar is a little more affordable. please help im losing my mind!""

What makes a good car insurance company?

Besides affordable rates.

How much would car insurance be for a 2002 Mercedes cts for a 16 year old w/ all A's in school?

Raising money for individuals with health condition?

I'm just curious about why people ask for donation and fund raising for people with health condition here in Canada. Health care is free that will cover most of the medical ...show more

Car Insurance In Virginia?

I'm 19, First time driver, 1 Child, Car paid in full, Live in the 22031 area (fairfax), Had a seatbelt ticket before I obtained my license, Female. I want to know which insurance would be best suited for me, I dont need the quotes, I just want advice (from expierience) on where to get quotes from first. I have my permit, and will have my license in 25 days. I'm looking into cars right now, and should have one chosen in the next 2 weeks. I know the car will change what the insurance is, but I have not chosen it. I know I want an automatic 4 door sedan Used. Not sure on mileage yet. Leaning towards Nissan Altima. Any advice???""

How much are you paying for your kids car insurance?

Recently, I brought my daughter a 2002 Camaro v6 for 7,800 with taxes included. I pay 127 dollars a month for insurance. She is about to be 16 and able to drive on her own. She is very responsible, gets great grades and has very few friends. How much do you pay for your child's insurance? I heard that buying them a sports car would make the insurance go very high but that hasn't been the case.""

Car Insurance without a license?

I know this is a dumb question, but I thought I would ask anyway. My 25 year old son, recently had his license suspended, due to non payment of a ticket. His car registration is coming up this month. Is there any way he can get insurance, so the registration on his car, will remain current. At least until he pays off his ticket.""

Can I drive my new registered car without insurance?

I have my driver licenese and tags and temp plate but no insurance yet but going to buy some car insurance monday but what I wanna know can I drive the car without insurance at the moment in chicago, il.""

What is the average cost of insurance for a teenage driver per year?

I'm 17, and in about a month I'm getting my provisional license. My parents are having me pay for my insurance, and I was wondering if anyone had a rough idea of what I might be paying. Thanks!""

How do i get affordable health insurance in new york?

I make 40k a year but i live in nyc so i cant afford a standard plan. Just need for myself 37 yr old male Thanks

Is Gerber Life Insurance any good for my daughter?

The general car insurance ? is there a catch ?

I feel like there's a catch . No personal info required and its 39 bucks . Is there a catch ? Or just a bad car insurance

Everything auto insurance will ask you?

I had a car accident, the other driver's insurance company called me, and I need to know all the questions they would ask me personal or not. I know they will ask about the facts of the accident, but I want to know what personal questions(like age, health insurance, education, etc.)""

25 year term life insurance quotes

Where to get home insurance.............?

is it always required to purchases a home insurance while buying a home.. or is it required only if we are availing a home loan or is it optional? what does this home insurance actually covers...if we take a home insurance , is it not required to pay the loan back in the event of death of the borrower.. which insurance company provides best home insurance with reasonable rate?""

Is my car insurance to high for a new driver(28years old)?

My fiancee added me under his car insurance, and iam being charged $145 a month. Iam a new driver, i just got my liscence last April. Is this Expensive for a new driver? How long will it take for the price to go down?""

Which Insurance Companies still have affordable maternity coverage?

My wife and me want to have a child. However, we are having a hard time finding a insurance company that provides maternity coverage at a affordable rate. Can someone help us?""

How much is adding my teenager to my insurance policy?

how much is the averge amount that i would have to pay when i add my teen to my auto-insurance policy..with their own car.

""I had full coverage auto insurance, my policy lapsed for 2 days & during that time I had an accident am I cov?

The Insurance company is Coast Insurance in California. The accident happened during the 2 day lapse period. I have been with the company for approx 10yrs

How much would car insurance be under my dad's policy? Or by itself under my name?

I'll be 21 in September and I'm getting a car really soon. I just have no clue how much the premium is going to cost me. I'm getting an older car. 100,000+ miles. So ...show more""

Young Drivers Car Insurance?

My son is 17 in January and already owns a car, im looking for car insurance for him as a learner then obviously as a passed driver. Most comparisson sites wont search as he is not 17 at the moment. He insists that he does not want one with a box fitted to the car. Any ideas of companies that will give a reasonable quote would be appreciated.""

Where do I find good health insurance for my parents?

I've tried ehealthinsurance.com and some other websites. I'm paying $500/ month for just basic health coverage for hospital emergency only. They're 56 and 61 years old and finding anything with good coverage and affordable is impossible. Anyone know what I can do to find better coverage?

Will i still be insured to drive a car that i took off my insurance policy yesterday?

I have bought a new car and changed my insurance over to that car, just yesterday. However i still have my other car for a day or so and was wondering is there any leeway when insurance is swapped over from car to car to still use my original car?""

Does anyone know how much insurance would be for a 18 year old male and the car is a 1985 volvo?

1985 volvo 240 dl auto 4cyl. gray exterior and dark blue interior, 4dr""

Vauxhall Astra 1.7 cdti Insurance?

I'm 17 soon so i'm looking for cars to get, and I've been looking at a 1.7 cdti Vauxhall Astra (100bhp) 3 door, and i can easily afford a decent 2005-07 model but its the insurance I'm worried about, i don't want to buy a nice decent first car and not be able to insure the damn thing, and all of the quote websites I've been on are giving me stupid answers so I'm just wondering if any of yous have had one of these for your first cars and how much it cost to insure it or if you just have a good idea on how much it would cost? thanks.""

Who understands health insurances? please help?

Okay so im 22 and have no health insurance, i just started working, and at this company they offer health insurance for full time positions only and well i am part time. I have had swollen tonsils since i was fourteen and been hospitalized twice because it was so bad that literally both tonsils were smashed together (i know gross) well i guess the question is, i want to try to get a health insurance that will minimize extremely the cost of getting these suckers removed. I dont understand all the deductible talk. So which insurance do you think is affordable and might be the one for me and my need? Please any advice and suggestions will be appreciated. Its a constant pain to go to the doctors and just come out with antibiotics which i guess take the pain but im not lying when i say that they are everyday permanently swollen. Please and Thank you.""

Who can get your insurance. how much does it cost.?

what is the age limit that can get your insurance. are there any limitations to getting this insurance.

Where do I buy car insurance online?

Need to buy car insurance online and do not know how to go about it.

How much will insurance cost for a 17 year old in london riding a 125 motorbike ? (around)?

How much will insurance cost on a 94 eclipse?

I am an 18 year old first time driver. the car has 133000 miles on it and i'm thinking about buying it from a friend. it is white. how much will the insurance be monthly? roughly?

Insurance questions?

I have a 99' silverado LS 5.3 liter truck. It was hit in the parking lot by some fool at work and now all the body panels on the passenger side are dented. I took it to a dealer to get an estimate (since the guy has insurance) they quoted it at 7500 dollars worth of damage. I know that the truck doesn't actually book for much more than that. The truck still drives fine just that it is beat up on one side and the door won't open. I still owe about 3k on the truck. I have yet to get an adjuster to come look at it from state farm. Do you think the truck will be totalled? What are my options and how much will they sell the truck back for if it is a total? If it is a total what value will they go off of and how much should I expect for my truck which was in fair condition? Will the adjuster make a check out to me or will he send it to my bank or both? Any help with this from someone that has had a vehicle totalled by someone else would be greatly appreicated..I really don't know.

Will taking a defensive driving class lower my insurance and take points off my driving record?

Ive been in two car accidents one in Nov.2007 and the other Feb. 2008 and i was wondering if taking a defensive driving course would take points off my driving record and lower my insurance.

How much life insurance do I need? How long?

Hi, I am 31, married, in decent health (don't smoke). No kids, but planning for one next year. How much life insurance do I need? Thinking about a term policy for $500,000, but not sure if I need it for 10, 20 or 30 years? Any advice much appreciated. Annual income is the $100,000 range. Thanks.""

Temporary Car Insurance Mercedes E Class 18 Year Old Male?

There is a meet at Goodwood Race Course at the end of the month, I was planning on taking the e class as the weather looks good and its good place to take it, however I'm really struggling to find temporary car insurance to cover me for the day, I can find annual car insurance relatively easily insuring my dad with his no claims and me as a named driver (comes to approx 1100 per annum) but I wont drive the car enough to make use of this insurance. I have looked high and low but none of the companies will insure me until I am 21 for temporary insurance. Any suggestions?""

How To Create An Insurance Plan?

This family of four consists of a mom, dad, a twelve-year-old girl, and a sixteen-year-old boy. The family is about to move into a new house. They also own two cars. Help the Martin family create an insurance plan. An insurance plan simply lists the types of insurance they have or will be purchasing. The plan may also include some details about the insurance. For example, it may list life insurance worth $500,000 or health insurance with ABC Agency. For your assignment, create an insurance plan for the Martins. Create an insurance plan. As you create the plan, think about all of the risks this family faces and how they can protect themselves from financial loss. Next to each type of insurance that you list in the plan, write one to two sentences about why you think they need this insurance. I'm not sure how to create an insurance plan, can someone give me some guidance? Thank you.""

Can someone help me find car insurance for my dad?

my dad is looking for a car insurance company that insures anyone who drives his car, ie. his children. is this possible? what insurance companies offer this type of insurance?""

Is it legal to have two different auto insurances on two different cars but are both in my name?

I have 2 cars, I just bought one cash. So I already have full coverage on one car and its paid for 6 months, and I want to add insurance on the other but with a different insurance company because it is cheaper and I will be getting only liability. Is it legal to be carrying different insurances or are they required to be both with the same company? I live in Texas!""

""If i study a childcare apprenticship, how much will i be earning a month?""

I am considering a childcare apprenticship, however i also have alot to pay out for, such as my car and insurance and rent, so i need to know how much i will earn before going ahead with this??? Does any one know?""

How much are the costs of sports cars?

what are the costs (insurance and maintenance) of having the Lamborghini LP560-4 and Audi R8, and say if i baby it and not rip it every second""

25 year term life insurance quotes

https://www.linkedin.com/pulse/get-auto-insurance-quote-from-geico-stephen-lynch/"

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aaronbhope84 · 7 years

Text

Are Historic Windows Energy Efficient?

This week were on to claim 2 of mine that is so often refuted by energy gurus, developers, and the replacement window industry. I’m going to take a wrecking ball to these ludicrous claims in this post and in the next 10 minutes show you irrefutable proof that an energy efficient old window is not a unicorn story spun by historic preservationists.

An energy efficient historic window is a very real and very attainable thing that can be accomplished by minimal upgrades to the original window that cost far less than replacement.

“Every single historical wood and steel window can be repaired and made to be as or more energy efficient than a replacement window.”

You see, the reason this one gets me so riled up is because windows are by far the most endangered pieces of historic buildings. They are being torn out and thrown away in the name of energy efficiency at a rate of over 3o million a year.

Not only is their removal and disposal a huge strain on our landfills, it is completely unnecessary. Here’s why:

Marketing, Lobbying, & Dirty Tricks

The replacement window industry has done extensive testing and knows the facts about their products. They know that the windows they are selling are engineered with obsolescence in mind. They can market them as energy saving because initially they save energy over a neglected, un-weatherstripped original window even though cradle to grave they use way more energy.

In fairness almost anything would save lots of energy compared to a beat up neglected old window (even an $8 sheet of plywood would!) so it’s not a high bar to beat. What they won’t tell you is that a restored and weatherstripped window will save more net energy than a new replacement window.

Here’s how the replacement window industry’s game works:

They Show You Your Problem

They convince you you have a problem: The problem is two fold, your old window is drafty and inefficient, your old window requires maintenance. That appeals to the two most powerful marketing triggers to all humans, time and money.

They Solve Your Problem

They offer you a single product (a window) that solves both of these problems! Cut your energy bills and never have to maintain that window again. Amazing right? Wrong.

The Warranty

They promise you their product has a “liftetime warranty” which it does, but only on “non-glass materials”. They don’t tell you about the 10 or 20-yr warranty on the glass. That is buried in the fine print which only dorks like me dig up and share with smart readers like you.

A warranty is only as good as the weakest link and their lifetime warranties don’t stand up to scrutiny because they are technically only 10 to 20-yr warranties due to the fact that if the glass fails then the only solution is to replace the whole unit.

Maybe at this point you’re thinking “Hey even 20 years is not a bad warranty.” They aren’t done with their dirty little tricks yet! That 20-yr warranty only covers materials NOT labor after only 2 years! Here’s a little excerpt from Pella’s Warranty on vinyl windows.

“If Pella is given notice of a glass defect occurring within twenty (20) years of the date of sale by Pella or its authorized dealer, Pella shall, at its sole option: 1) repair or replace the defective glass (with cost of labor included only within two [2] years of the date of sale by Pella or its authorized dealer)”

You want a little more naked truth about their “lifetime warranty” on “non-glass materials” keep reading! The US Census Bureau reports that Americans move approximately 12 times in their lifetime. If the average lifespan is 79 years (which it is in 2017) then that means on average we move every 6 1/2 years. What does that have to do with the “lifetime warranty” though?

Well, to use Pella again, that “lifetime warranty” is non-transferrable. That means that as soon as you move those windows are no longer warrantied and ripe for full price replacement as soon as they fail.

Pella isn’t stupid. They know these figures and while they will honor a lifetime warranty on vinyl windows for the handful of people who live in their house for 20+ years they know that most of their “lifetime warranties” will only have to be serviced for about 6 1/2 years. And anyone can make a window that can last that long.

And it’s not just Pella, it’s all the major window manufacturers who play this game. You can read more in my post Replacement Windows: The Real Story. But let’s get back to the question at hand.

Are Historic Windows Energy Efficient?

For the answer you don’t need to listen to my opinions or the marketing hype from the replacement window industry. You need cold hard facts not salespeople so here they are.

In 2011 the Window Preservation Standards Collaborative, a group of window restorers from all over the country, got together for their first summit to discuss this very topic. They had a hunch that historic windows were more efficient than the replacement industry was saying but no one had ever done definitive unbiased testing.

The testing was performed by a third party certified by the Building Performance Institute according to ASTM E1186-03 (2009) standards and the findings were astonishing! There were 5 different levels of efficiency upgrades tested and all of them exceeded to 2009 IECC energy requirements for windows. More than that, all but one exceeded the current 2012 IECC energy code requirements!

All of these windows were built in the 1930s and were single paned double-hung windows. The results are below:

Window 1: Restored, added exterior wood storm window, no weatherstripping

Window 2: Restored, added integrated metal weatherstripping, added exterior wood storm window with rubber gasket weatherstripping

Window 3: Restored, added integrated metal weatherstripping, added exterior metal storm product

Window 4: Restored, added rubber bulb weatherstripping to perimeter of sashes

Window 5: Not restored, added site-made interior air panel (similar to interior storm window)

Control Window: No improvements or upgrades

If you’re not a believer in numbers and facts then there is very little I can do for you, but this round of testing was the final nail in the coffin for replacements windows in my opinion. This shows that historic windows are indeed energy efficient.

Not to mention that you don’t have to worry about 10, 20, or even 30-yr warranties with historic windows. They have already lasted 80, 100, 120+ years and they will continue to last another century with minimal care.

If you want to learn everything thing from the basic to advanced techniques for repairing, restoring, and weatherstripping historic windows you can visit my resource page How To: Repair Old Wood Windows.

The post Are Historic Windows Energy Efficient? appeared first on The Craftsman Blog.

from Home Restoration News https://thecraftsmanblog.com/are-historic-windows-energy-efficient/

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