MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

3 Real Estate Deals That Now Trigger Government Reporting

11 Mar 2026 · 1 min

Watch on YouTube

0:53

In this video, Mark Kohler outlines three common residential real‑estate transaction scenarios that now require reporting to the government under recent regulations. The first scenario is when a property is transferred from an individual's name or a trust into a Limited Liability Company (LLC) without involving a bank loan; this transfer must be disclosed. The second scenario involves "subject‑to" deals, where a buyer assumes the seller’s existing mortgage—such as purchasing a parent’s home or taking over a distressed loan—without obtaining a new mortgage, especially when an LLC is part of the structure, which also triggers reporting. The third scenario covers all‑cash or private‑money financed residential closings, which represent roughly 40 % of residential transactions and are now required to be reported. The video’s purpose is to inform real‑estate investors and owners of these reporting obligations so they can stay compliant.

Chapters

The 3 most common ways this is going to apply to you is when you're deeding your property from your personal name or your trust into an LLC without a bank loan. The second most common is if you're doing kind of a subject-to deal, you're buying your parents' property and you're going to assume their mortgage. You're not getting a new mortgage, you're not going through a traditional closing. You could be buying a property from someone that's in a a bad situation and just assuming their loan. And if you go through that process and there's an LLC in the mix right now, you would have to disclose that transaction under this real estate report. The third most common is an all-cash deal or private money, a private lender giving you the money to go close on a residential deal. And it's reported right now, 40% of residential closings are all-cash deals. So those will need to be reported.