Charitable Gift Life Estates

Create a Life Estate – Guaranteed Income For Life!

Real Estate with Causes charitable gift annuity program is setup to help you, the donor, increase your current income from property you own while enjoying significant tax deductions. 

• Payout rates ranging from 4.9% – 11.5% (depending on your age)
• Substantial income tax deduction and capital gains tax deduction

Charitable Gift Annuity

A Charitable Gift Annuity (CGA) is a form of Planned Giving that allows donors to make a meaningful charitable contribution while securing a steady income for life. This agreement is established between you—the donor—and our 501(c)(3) nonprofit organization, Real Estate with Causes. Through this arrangement, you donate property in exchange for a partial tax deduction and a guaranteed fixed income for one or two individuals, typically for life.

There are generally three versions of each type of Charitable Gift Annuity agreement:

1. Immediate Payment CGA – Income payments begin shortly after the gift is made (usually within one year).
2. Deferred Payment CGA – Payments begin at a future date selected by the donor, allowing for larger payouts.
3. Flexible Payment CGA – Provides the donor with a window of time during which they can choose when payments begin, offering greater flexibility and planning control.

Each version serves different financial goals and timelines, allowing donors to tailor their gift to their needs while supporting impactful charitable work.

“Single Life” Agreement…

Pay only one person for their lifetime..

“Joint and Survivor” Agreement…

Pay two annuitants simultaneously with both names on the annuity payment check, each getting half of the payment, and at the demise of the first to die, pay the survivor the full annuity amount. This is used for married couples who file joint tax returns and/or who live in community property states.

Life Estates

A unique and impactful way to give back while still enjoying your home is through a Charitable Gift Life Estate. This planned giving option allows property owners to donate their home or other real estate to charity, while retaining the right to live in or use the property for the remainder of their lifetime. Upon the donor’s passing, ownership of the property is transferred to the designated non-profit organization.

A life estate is an especially attractive option for large trophy properties, in cases where heirs may be unable to afford the ongoing maintenance costs and property taxes. That way, even if one’s family is no longer able to enjoy a home, by donating real estate they can keep more of what in the long run is more useful: cold cash.