Why it is smart to start investing in the stock market?
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Should I be a trader to invest in the stock market?
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What app should I use to invest in the stock market?
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Is it risky to invest in the stock market? If so, how much?
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Tell us if you are already investing in the stock market
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A 1031 exchange is a powerful way to defer the capital gains tax that you owe on the sale of a property by investing it into another. The process has many complexities, but the crux of such an exchange is that the proceeds of the sold property are directed immediately into another real estate purchase.
Both houses must be in the USA and there are time limits (45 days to identify the new property, with completion within 180 days).
This is a very attractive and tax-efficient move and one that often requires securing additional, short-term funding—commonly known as a 1031 exchange bridge loan.
Understanding 1031 Exchange Bridge Loans
What are 1031 exchange bridge loans (AKA, 1031 deadline loans)?
Where to get the best exchange property financing?
What are 1031 exchange bridge loans (AKA, 1031 deadline loans)?
There are various types of 1031 bridge loans, including those provided by banks, hard money lenders, and equity loans.
In brief, the different types are:
The “regular” type of bridge loan: This provides temporary funds for the purchase of the new property. It’s short-term and usually due to be paid back once the finances are completed on the home you’re selling. Interest rates are typically higher than regular real estate borrowing but they generally come with flexible terms and, as you only need the money for a relatively short amount of time, can be the solution to a new purchase. 1031 exchange bridge loans are offered by certain mainstream lenders and banks.
A hard money loan: These funds are provided by non-typical lenders—namely, private companies and investors. They often offer a range of finance opportunities, each of which should have clearly defined lending terms, including the interest rate and payback requirements. The money is lent against the value of the property, not your financial status. You won’t usually need to show any proof of income or share tax returns—the money is guaranteed purely on the real estate itself. In some cases, it’s also possible to provide this assurance against other tangible items of value.
An equity loan: This utilizes the equity of the asset—in this case, the property that you’re selling—as collateral for lending. An equity loan can only be used to purchase property. The amount you can borrow is limited by the level of equity you have.
Where to get the best exchange property financing?
Your choices are to go with a traditional lender, such as a bank, for a 1031 exchange bridge loan, or a non-traditional lender. The latter, commonly called hard money lenders, often get a poor rap. This is because they may charge slightly higher interest rates than banks, plus many people perceive such loans as risky
However, hard money lenders are bound by strict regulations, including responsible lending. The difference between regular borrowing and hard money lending for property is that the latter almost exclusively secures the loan on the value of the real estate, rather than your net worth. This also means that having a less-than-perfect credit rating won’t limit your chances of being approved.
While this route might not suit everyone, it’s becoming increasingly popular for those building a real estate portfolio. When it comes to 1031 exchange bridge loans, such a lender can be the best way forward to ensure you meet the strict deadlines and help maximize the associated tax break.
Find Out More About 1031 Exchange Bridge Loans from BRRRR Loans
As a leading private money lender, we offer the ultimate 1031 exchange bridge loans solutions, as well as every other form of financing to build a property portfolio. Our expertise and customer service are recognized industry-wide, which is just one of the reasons landlords, private property owners, and those looking to finance any aspect of real estate can turn to us for the best closing times, interest rates, and lending criteria.