Across Nashville and surrounding luxury markets, cash purchases are not unusual. In fact, nationally, 27 percent of all home purchases in January were all cash. At higher price points, that percentage climbs significantly.

Over the past year, I have closed multiple all-cash transactions structured through LLCs and trusts. Many of my clients work with attorneys, intermediaries, and business managers who handle documentation on their behalf. Privacy and discretion are simply part of how these transactions operate.

Because of that, a federal reporting change taking effect March 1, 2026, is worth understanding.

FINCEN, part of the U.S. Treasury, will require reporting on certain non-financed residential purchases made through LLCs or trusts. In qualifying transactions, beneficial ownership information must be disclosed during closing. The filing is handled by the title company or closing attorney and is not public.

Entity purchases remain legal and widely used. What changes is the reporting requirement in specific cash transactions.

In higher-level transactions, structure matters before the offer is written. My role is to coordinate early with attorneys, intermediaries, and business managers so there are no surprises and the process remains smooth and discreet.

Nashville continues to attract high-net-worth buyers. Sophisticated transactions require experienced coordination.

If you are considering a cash acquisition or structuring a purchase through an entity, this is a conversation to have early.