CMBS Trust Taxation

"In CMBS, first mortgages (usually from several diff properties diversified by property type ie office, retail, multi-family etc and location) are pooled & held by trust which serves as pass through entity for bondholders."

"The pass through entity is a legal classification for tax purposes where the income is not double taxed at the corporate tax rate then individual income tax rate, you're just taxed at the individual income tax rate"

Question: Without the trust, why would there be double taxation - who would be the corporate and who would be the individual?

2 Comments
 

The trust is a pooling vehicle for the loans, which makes a REMIC tax election to give it its pass through structure. For example, let’s say the pooling vehicle was a c-corp that didn’t make the REMIC election. The c-corp would pay taxes on the interest income from the loans and then the investors would pay tax on income distributed to them.

 

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