031 Exchange/Reverse 1031 Exchange Loans FAQ

Our typical term is a one-year balloon. We do require borrowers to demonstrate they have a plan in place to provide long term financing.

We offer loans for 1031 Exchange/Reverse 1031 Exchanges from $30,000 to $4,000,000.

We are looking for at least 30% to 35% equity.

Some private commercial banks will lend to 1031 Exchange/Reverse 1031 Exchanges on commercial property, but tend to take a long time to complete the transaction. Most retail mortgage lenders that specialize in 1-4 unit properties will not be familiar with 1031 Exchange/Reverse 1031 Exchange lending, and unable to complete.

With the required deadline to close the exchange property(s) purchase within 180 days, you may not have time to close with a traditional loan. Banks often take many months to complete the closing of a commercial purchase loan with delays in obtaining the appraisal, detailed underwriting, review of leases, tenant lease subordinations, etc. HCS Equity […]

Yes, HCS Equity loans have no prepayment penalties or minimum interest due. They can be repaid right away.