Insights, guides, and updates to help you navigate loans and agreements.
How to structure a loan from a foreign relative so it is not reclassified as a reportable gift under Form 3520. AFR, documentation, and deadlines.
Can you deduct interest on a family loan? Only if it's secured by a recorded mortgage or deed of trust. The IRS test, the paperwork, and the 2026 math.
Lending IRA money to your spouse or child is a prohibited transaction that can wreck the whole account. See who is exempt and the 401(k) alternative.
Family loan interest rate guidance for 2026: the July AFR minimums, the $10,000 and $100,000 exceptions, and three real ways to pick a rate.
Forgiving a family loan counts as a gift to the IRS. See the 2026 exclusion amount, when Form 709 is required, and how to document it correctly.
Loans to grandchildren face a tax risk parent-child loans do not: the generation-skipping transfer tax. Here is how to structure one correctly.
Can you deduct an unpaid family loan on your taxes? Learn the IRS bad-debt rules, required documents, and the 7-year filing window most lenders miss.
Complete tax season preparation guide for family loans in 2026. Learn which IRS forms to file, reporting requirements, deadlines, and step-by-step instructions for 1099-INT, Schedule B, and Form 709.
Navigate the complex tax rules for family loans in 2026 including current AFR rates, minimum interest rates, reporting requirements, gift tax implications, and how to properly document loans for the IRS.