How fast can a 1031 replacement property loan close?

Many deals close in 7–10 business days. Speed is critical with 1031 exchanges, and our lending partners are set up for fast, asset-based underwriting. Submit your deal early so we can align with your exchange timeline.

What are typical terms for 1031 replacement property loans?

Terms are in line with other hard money: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan bridges the exchange; refinancing into a long-term loan is the common exit.

How fast can a 1031 replacement property loan close?

Many deals close in 7–10 business days. Speed is critical with 1031 exchanges, and our lending partners are set up for fast, asset-based underwriting. Submit your deal early so we can align with your exchange timeline.

What are typical terms for 1031 replacement property loans?

Terms are in line with other hard money: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan bridges the exchange; refinancing into a long-term loan is the common exit.

Hard Money Loan Scenarios

1031 Exchange

Hard money financing for 1031 exchange replacement property. Meet strict exchange deadlines with fast funding in 7–10 business days. Bridge or acquisition loans for investors completing a like-kind exchange. Utah and nationwide.

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How Hard Money Fits This Situation

A 1031 exchange lets you defer capital gains by reinvesting sale proceeds into like-kind replacement property—but the timeline is strict. You have 45 days to identify replacement property and 180 days to close. Hard money loans can fund the replacement property purchase quickly so you don't miss your exchange deadline.

Our lending partners provide short-term, asset-based financing for the replacement property. The property must be non-owner occupied (investment real estate). After the exchange is complete, you typically refinance into a conventional or long-term loan. If the numbers and timing work, many of our investors will fund 1031 replacement property.

Funding in 7–10 business days is common for qualifying deals. We do not provide tax or exchange advice; work with a qualified intermediary and tax professional for your 1031 structure.

Why Consider Hard Money

Fast closing to meet 45-day identification and 180-day closing rules
Loan secured by replacement property (investment, non-owner occupied)
Common exit: refinance into conventional or long-term loan after exchange
We do not advise on 1031 structure; use a qualified intermediary and CPA
Typical terms: 6–12 months, interest-only, 65–75% LTV

Investment properties only • Non-owner occupied • Business-purpose lending

Our lending partners fund investment real estate only. The property must be non-owner occupied (or you must be willing to move out / have a clear exit). We do not finance primary residences.

Frequently Asked Questions: 1031 Exchange

Yes. Hard money can fund the purchase of the replacement property so you meet your 1031 deadlines. The loan is secured by the replacement property; it must be investment real estate (non-owner occupied). After closing, many borrowers refinance into a conventional loan.