Exchange timing
Plan the financing around the reported exchange clock.
Use the standard deadline illustration as an early planning tool, then confirm every date with the qualified intermediary and independent tax advisors.
Plan around the clock
Calculate the standard 45-day and 180-day dates.
Enter the relinquished-property transfer date shown in the exchange records.
1031 Deadline Planner
Use the actual transfer date shown in your exchange records.
Earlier planning date: —
The replacement property generally must be identified within 45 days and received within 180 days or by the applicable tax-return due date, including extensions, if earlier. Confirm all dates with your exchange and tax professionals. Review IRS Form 8824 instructions ↗
Plan before the relinquished-property closing
Estimate exchange capital, identify the intended investment move and begin organizing financing assumptions before the clock starts.
Coordinate with the qualified intermediary
Your QI and advisors establish the exchange structure and explain identification, receipt and documentation requirements.
Identify the replacement property or properties
Bring the proposed addresses and deal terms into the financing review as early as possible.
Complete property and credit review
Evaluate rent, expenses, valuation, title, insurance, reserves and the selected loan structure.
Coordinate the replacement closing
The lender, QI, title, escrow, borrower and transaction team work toward the scheduled acquisition closing.
Financing timeline
Start before the relinquished property closes.
The lender can begin organizing borrower and property assumptions before the exchange deadline pressure builds.
Before transfer
Estimate net exchange equity, choose the intended strategy and gather borrower information.
- Potential sale proceeds
- Expected payoff and costs
- Target markets or properties
Identification period
Move target properties into the financing review as soon as they become serious candidates.
- Addresses and contracts
- Rent and expense assumptions
- Appraisal and insurance timing
Closing period
Complete underwriting, valuation, title, insurance and final coordination for the replacement acquisition.
- Conditions and documentation
- Final funds and reserves
- QI, escrow and title coordination
Start the financing workstream before the deadline drives the deal.
Share the exchange stage, proposed replacement-property direction and current assumptions with the 1031 Exchange DSCR Loan Desk.