A tax strategy for high W-2 earners with $400,000+ yearly income
Turn a tax bill
into a 3× return.*
Discover the Tiny Home Tax Strategy from America’s #1 Designer Tiny Home Manufacturer.
Dramatically reduce your taxes and put part of your tax bill toward a rental tiny home. Our established partners help you finance the purchase. Clever handles resort placement and setup.
Register to learn more*For qualifying buyers. Illustrated at 10% down and a fully usable deduction at a 30% federal tax rate. 3× compares the gross tax benefit with the down payment, before other costs; it is not net investment ROI.
As seen in
Turn money headed for taxes into a tiny-home asset.
Use part of the money you would otherwise pay in taxes for the down payment. Then use 100% bonus depreciation to deduct the home’s full eligible cost in the year it is placed in service.
The strategy pairs a smaller down payment with a larger tax benefit. Keep the difference before other costs—and own a tiny home that earns rent through a participating resort.
How does it work?
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Put 10% down.
Our established financing partners finance the remaining 90% for approved buyers.
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Deduct 100% of the eligible cost.
The deduction is based on the full eligible purchase, including the financed portion, when the home is placed in service.
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Keep the difference.
In the illustration below, the tax benefit is three times the down payment. The difference remains available to you before other costs.
For every $100 of eligible home cost: Item Illustration You put down $10 Your taxes fall by $30 Difference before other costs $20 Remaining purchase price financed $90 Assumes 10% down and a fully usable deduction at a 30% federal tax rate. This example describes the relationship between home cost and tax benefit; it is not a home price quote. The tax benefit is 3× the down payment; the difference is 2× the down payment before other costs. Fees, interest and operating costs affect actual results. Tax relief may reduce an amount due or produce a refund of taxes already paid; it is not necessarily immediate cash.
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Generate ongoing rental income.
Your home joins a participating resort’s rental program, designed for rental income to cover loan and insurance expenses and generate profit.
Register to learn moreLearn how the numbers apply to your situation.
We help you every step of the way.
The homes are designed. The resorts are selected. The financing partners are in place.
Clever interior and Sweet Citrus Acres RV Resort shown. Home packages and resort locations vary.
A pre-designed home, matched to the resort.
We analyze the resort and develop floor plans for its location and guests.
Furnished. Delivered. Set up.
We furnish your home, deliver it to the resort and complete setup. All included in the home package.
Resort placement and ongoing maintenance.
We handle resort placement and ongoing maintenance. You have a clear point of contact throughout ownership.
Established financing partners.
Financing is part of the program. Our partners process your application and provide your loan terms.
Tax advice through our partners.
Our tax-advice partners confirm your eligibility and the requirements for claiming the deduction.
Tax savings today. An asset for the next generation.
Your tiny home has a purpose beyond the deduction: earning rent for years to come.
Clever homes are designed by an international award-winning architect and constructed for decades of use.
General Clever home imagery. These images do not represent a specific tax-strategy offering.
See where your home is built.
Play factory tour (opens YouTube in a new tab)What Clever homeowners say
“The quality and workmanship of my home is incredible.”
“The folks at Clever Tiny Homes are the absolute best to work with”
Who this strategy is for.
High W-2 earners with $400,000+ yearly income looking to dramatically reduce their federal taxes through an eligible rental-home purchase.
Before you buy, we work through the requirements with you and our partners:
- Your tax benefit: A tax adviser confirms that you can use the deduction against the intended income and that the numbers support the strategy for you.
- Your financing: Our financing partners confirm approval and terms. You review the down payment, other costs and the timing of tax relief.
- Your ownership responsibilities: You understand the rental agreement, ongoing expenses and any participation and recordkeeping required for your tax treatment.
- Your timing: The home must be placed in service in the tax year for which you claim the deduction.
The illustration assumes a fully usable deduction at a 30% federal rate. Personal tax results and rental profit vary. Loan payments, maintenance, resort charges and other costs remain part of ownership.
Questions about the details
Is this a passive investment?
No. You’re starting a tiny home rental business. You’ll need to commit time, meet the applicable participation requirements and make business decisions. Like any business, it carries real financial risk, and profits are not guaranteed.
Clever provides templates, products and support to make running your business easier and help you succeed.
Can the deduction offset my W-2 income?
It can for buyers whose circumstances qualify. An eligible purchase does not automatically create a usable W-2 offset. A tax adviser must confirm the applicable rules and your ownership and participation requirements before you proceed.
Does a 100% deduction mean I get the whole purchase price back?
No. A deduction reduces taxable income. The tax savings depend on the applicable rate and how much of the deduction you can use. A fully usable $100 deduction at a 30% assumed rate produces $30 in tax savings.
What does the 3× illustration measure?
It compares the gross tax benefit with the down payment: $30 divided by $10 equals 3. After subtracting the down payment, the difference is $20 before other costs. It does not measure net investment ROI or guarantee a return.
Do I need to find a resort or design a home?
No. Clever analyzes resort locations, develops appropriate home designs and arranges placement. Furnishing, delivery and setup are included in the home package.
What does it cost?
Pricing varies with the home and resort location. Before purchasing, you review the package quote, financing terms, cash requirements, ongoing expenses and any separate professional fees.
Will the rent cover my expenses?
The programs are designed for rental income to cover loan and insurance expenses and generate profit. Actual results depend on bookings, financing and all operating costs. Review the full projection and operating agreement for the specific resort.
How involved do I need to be?
Clever handles placement and ongoing maintenance. The resort agreement defines its operating duties. Your adviser and the program team explain your own responsibilities, including any participation required for your tax treatment.
When would I receive the tax benefit?
The home must be placed in service in the relevant tax year; a deposit alone does not qualify. The effect on your cash depends on tax payments already made, filing and when you can use the deduction. Your plan needs to account for that timing.
Learn how to turn your tax bill into a tiny-home asset.
Discover how to turn a portion of your tax bill into a tiny-home asset—with the financing, placement and support brought together for you.
- See the down payment, deduction and tax-benefit math.
- Understand the home, resort and rental program.
- Learn the requirements to use the strategy.
Own an RV resort?
Bring high-quality tiny-home rentals to your property.
We work with experienced operators in strong locations to develop rental opportunities suited to their resorts.