Most lenders aren’t comfortable with the title structure a reverse 1031 requires. The replacement property is temporarily titled in the name of an Exchange Accommodation Titleholder (EAT) rather than the borrower — and transferred to the borrower’s entity after the sale. Most lenders’ guidelines don’t allow it. We can accommodate this.

Yes. If you have equity in the relinquished property or another investment property you own, a cash-out refinance can be used to access that equity for the down payment on the replacement property. The amount available depends on the equity position in the property being refinanced. This allows investors to move quickly on the replacement property without liquidating other assets or waiting for the relinquished property to sell.

No. Both DSCR and bridge financing are asset-based. Qualification is driven by the replacement property’s value and cash flow — not your W2s, pay stubs, or personal tax returns. Personal income is not the underwriting driver.

The EAT is a single-purpose LLC formed by your Qualified Intermediary to temporarily hold title to the replacement property during the exchange period. You remain the beneficial owner throughout — responsible for financing, management, and economic risk. Once the relinquished property sells and the exchange is complete, title transfers directly to your ownership entity.

Yes. Loans can close in the name of an LLC, corporation, trust, or individual. Because these are business-purpose loans, entity vesting is standard and expected. Most investors completing a reverse exchange are already operating through an LLC or other entity for liability and tax planning purposes.

Eligible properties include single-family homes, condos, townhomes, and 2–4 unit and 5–10 unit non-owner-occupied residential investment properties. For other property types, contact us to discuss available options.