1098 Mortgage Interest Statement for Hard Money Loans?

1098 Mortgage Interest Statement for Hard Money Loans?

Rental Property Investor · Stevens Point, WI · Member since 2020 · 23 posts · 3 votes

Hi all,

I assume this a question for you CPAs out there:


If I'm utilizing hard money loans to purchase properties, should I be receiving a Form 1098 Mortgage Interest Statement from that hard money lender? I'm not sure if hard money loans constitute "mortgages," but there is a lien on the property and I am paying interest, so theoretically shouldn't I be able to write off that interest using Form 1098?


Thanks!

Jordan

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Michael PlaksPro Member
Tax Accountant / Enrolled Agent · Houston, TX · Member since 2014 · 5k+ posts · 6k+ votes
4y
Quote from @Ben Taub:

What do I do if I can't get a Form 1098 Mortgage Interest Statement, tried to ask it from my private lander multiple times, but they must check with their bookkeeper Etc. and so on and so furth, it's now more than a year from when i asked for it, and i need to file for taxes ASAP, what can i do?

You don't need a form to file your taxes. You just need to know the amount of interest you paid.
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  • Lender · Newport Beach, CA · Member since 2019 · 99 posts · 64 votes
    4y

    Yes, I would think your HML will be sending you a 1098. This probably depends however on how institutional your HML is...

  • Michael PlaksPro Member
    Tax Accountant / Enrolled Agent · Houston, TX · Member since 2014 · 5k+ posts · 6k+ votes
    4y
    Quote from @Jordan P.:

    If I'm utilizing hard money loans to purchase properties, should I be receiving a Form 1098 Mortgage Interest Statement from that hard money lender? 


     The HM lenders are supposed to send you a 1098, but not all of them do.

  • Newark NJ · Member since 2019 · 23 posts · 3 votes
    4y

    What do I do if I can't get a Form 1098 Mortgage Interest Statement, tried to ask it from my private lander multiple times, but they must check with their bookkeeper Etc. and so on and so furth, it's now more than a year from when i asked for it, and i need to file for taxes ASAP, what can i do?

  • Michael PlaksPro Member
    Tax Accountant / Enrolled Agent · Houston, TX · Member since 2014 · 5k+ posts · 6k+ votes
    4y
    Quote from @Ben Taub:

    What do I do if I can't get a Form 1098 Mortgage Interest Statement, tried to ask it from my private lander multiple times, but they must check with their bookkeeper Etc. and so on and so furth, it's now more than a year from when i asked for it, and i need to file for taxes ASAP, what can i do?

    You don't need a form to file your taxes. You just need to know the amount of interest you paid.
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