Are Refinance Closing Costs Tax Deductible for Landlords?

Some costs are deductible immediately (like mortgage interest), while others (like loan origination points) must be amortized over the loan term for investment properties.

• What to know: Understand every dollar involved in refinancing to make sure the math works for your Houston rental.
• Houston context: Houston closing costs are competitive with other major Texas markets. Title insurance rates are state-regulated, providing some cost predictability.
• Action step: Negotiate lender fees, shop title companies, and calculate your break-even point before committing to any refinance.

Bottom Line

The true cost of refinancing goes beyond the rate — factor in all closing costs and calculate how long it takes to recoup them through lower payments.