IRC § 1031 Exchange Financing Desk · Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State

IRC § 1031 Exchange Debt-Replacement, 45/180-Day Timeline & DSCR Leverage Workbench

Under IRC § 1031, real estate investors defer 100% of federal and state capital gains plus depreciation recapture by reinvesting all net exchange proceeds held by a Qualified Intermediary (QI) and replacing equal or greater debt within the strict 45-day identification and 180-day closing windows. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873) structures 10-to-14-day DSCR replacement loans up to 80% purchase LTV across single-asset, 3-property, and 200%-rule multi-asset exchanges.

Interactive IRC § 1031 Debt-Replacement & DSCR Leverage Calculator

Model Zero-Mortgage-Boot Buying Power & 45/180-Day Deadlines

Lock 1031 DSCR Replacement Debt →
Net 1031 Exchange Equity (QI Proceeds)
$537,500
Min Equal-or-Greater Purchase: $1,187,500
Max Replacement Buying Power (75% LTV)
$2,150,000
New DSCR Loan: $1,612,500 (Zero Mortgage Boot)
Replacement Portfolio DSCR & PITIA
1.41x DSCR
Est. Monthly PITIA: $13,102/mo
Strict IRS § 1031 Calendar Deadlines
45-Day ID: 2026-12-30
180-Day Close: 2027-05-14
Underwritten on Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State in 10–14 days
Rule 1 · Three-Property Rule

Identify Up to 3 Replacement Assets

Identify up to three potential replacement properties by Midnight of Day 45 regardless of total fair market value, and close on one, two, or all three using individual or blanket DSCR financing.

Rule 2 · 200% Fair Market Value Rule

Scale Into High-Yield DSCR Portfolios

Identify four or more replacement properties provided their aggregate fair market value does not exceed 200% of the relinquished property sale price—ideal for uplegging a low-cap single-family rental into multiple cash-flowing DSCR doors.

Rule 3 · Same-Taxpayer LLC Vesting

Disregarded Single-Member LLC Compliance

Avoid tax-identity footguns: a single-member disregarded LLC owned by the exchanging taxpayer satisfies IRS same-taxpayer requirements while satisfying wholesale DSCR business-purpose entity vesting rules.

Pair Your 1031 Exchange With Institutional Tax & Underwriting Workbenches

IRC § 1031 Tax-Deferred Exchange DSCR Debt-Replacement & 45/180-Day Workbench | Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State