Insights, guides, and updates to help you navigate loans and agreements.
Before you set up a family loan for private school tuition, learn the IRS rule letting relatives pay tuition directly, tax free, with no dollar limit.
Family loans have two interest rate limits: the IRS AFR floor and your state's usury ceiling. See real state caps and how to price a loan safely.
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.
A family loan to buy a car can beat bank rates, but only with the right lien, interest rate, and insurance steps. Here is exactly how to structure one.
Thinking about a HELOC to fund a family loan? Here's why the interest isn't deductible, and the real cost before you risk your house.
Selling your house to your child or sibling with seller financing? Learn the IRS installment sale rules, the AFR interest floor, and the 2-year resale trap.
Should you ask family for a loan to pay off credit card debt? See the real interest math, the tax rules, and how to structure it right.
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.