Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143Business-Purpose Investor Loans Only (Non-Owner-Occupied)
Interactive DSCR & Rental Cash-Flow Workbench

Loan Daddy LLC (NMLS #2827624): Loan Daddy LLC (NMLS #2827624) — Strictly Business-Purpose Investor Financing Only (DSCR, Hard Money, Private Money, Fix & Flip, Multifamily) for Non-Owner-Occupied Investment Properties. Not Available for Consumer Primary Residences.

1A · Interactive DSCR Ratio (Gross Rent / PITIA) & Cash-Out E
Tax & 1031 Strategy · 7 Min Read · LoanDaddy App — Interactive DSCR Cash-Flow Underwriting, PITIA Modeling & 24-Hour Term Sheets

IRC § 1031 Exchange Debt-Replacement & DSCR Financing: Eliminating Mortgage Boot

Bottom Line Up Front (Quick Answer):To achieve 100% tax deferral in an IRC § 1031 exchange, you must (1) reinvest 100% of net cash proceeds held by your Qualified Intermediary (QI) and (2) replace equal or greater mortgage debt on the replacement property(ies) within the strict 45-day identification and 180-day closing deadlines.
Open 1031 Exchange Debt-Replacement Desk →Price Scenario Across 45+ Shelves

Using DSCR Loans to Close 1031 Replacement Properties in 10–14 Business Days

Because DSCR underwriting does not wait on CPA tax return transcripts or global debt-to-income calculations, investors can lock replacement debt and close well inside the 180-day IRS statutory window.

Frequently Asked Questions

Can I form a new LLC to take title to my 1031 replacement property?

Yes, provided the new LLC is a single-member disregarded entity owned by the exact same taxpayer that relinquished the sold property.

More Quantitative Investor Guides

How DSCR Is Calculated for 1–4 Unit & 5–9 Unit Investment Properties (2026 Line-by-Line Guide)
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DSCR Ratio vs. True Net Cash Flow: Why a 1.15x DSCR Property Can Still Bleed Cash
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How to Size Maximum DSCR Loan Proceeds Backwards From Monthly Rent
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How Short-Term Rental (Airbnb, VRBO & AirDNA) Income Is Underwritten for DSCR Loans
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DSCR Cash-Out Refinance & BRRRR Seasoning Rules: 0-Day, 3-Month & 6-Month Tiers
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IRC § 1031 Exchange Debt-Replacement & DSCR Financing: Eliminating Mortgage Boot | LoanDaddy App — Interactive DSCR Cash-Flow Underwriting, PITIA Modeling & 24-Hour Term Sheets