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Amber C.
  • Rental Property Investor
  • Toronto, ON
5
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22
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Capital gain tax exemption on primary residence w/ rental

Amber C.
  • Rental Property Investor
  • Toronto, ON
Posted
Hi everyone I am new to real estate investment. I have a question on tax exemption. If I buy a property for $700k and live there as a primary residence, but I rent out the basement for $1500 per month. When I sell my place in five year, say the price appreciates to $1million, do I get capital gain tax exemption of that $300k appreciation?

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@Amber C. Hello, I recently experienced this myself. Had a principal residence, which also had rental units. Upon sale, my tax accountant advised me that I would have to pay capital gains on a portion of the sale price. One option of avoiding capital gains is to rent to family memebers. There is also a form that your accountant should know about, which exempts you from capital gains, if you are only renting for short term, or part-time. I may not have fully understood the exact terms of the conditions mentioned above. I can refer you to my accountant for further clarification. Hope this helps.

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