The ‘December Decision’ That Can Make or Break Your BRRRR in 2026

The ‘December Decision’ That Can Make or Break Your BRRRR in 2026

William ThompsonBusiness Member
Accountant · Williamstown, NJ · Member since 2025 · 324 posts · 178 votes

I had a conversation this week with an investor finishing a BRRRR right now, and he said something that stuck with me:

Totally understandable…
but December is when a lot of BRRRRs quietly go sideways — not because of the property, but because of rushed decisions.

Here’s the part most people overlook around this time of year:
The choices you make in the last 2–3 weeks of the year can change your entire tax position for next year.

Things like:

  • When you place the tenant
  • When you finalize the rehab costs
  • When you order that last batch of materials
  • When you lock in the refinance timeline

All of these affect depreciation, basis, and cash flow in ways people don’t usually think about when they're in a holiday rush.

I’ve seen investors lose valuable deductions simply because they tried to “finish everything before December 31st,” even when spacing things a few weeks apart would’ve worked out better.

If you're in the middle of a BRRRR right now, here's the simple rule I gave him:
Don’t let the calendar force you into a rushed decision.
Let the numbers guide the timing.

Sometimes the smartest move in December is slowing down — not speeding up.

Anyone here pushing to close out a BRRRR before the year ends? What's the toughest part of managing the last-minute details?

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