Reverse 1031 Exchange Loans

Watch the Webinar to Learn More

Join Nam Phan, COO and Rick Culp, Senior Underwriter of Pacific Private Money for this exclusive educational webinar designed for 1031 exchange accommodators, qualified intermediaries, and title/escrow professionals. In this session, you’ll discover how Pacific Private Money’s Reverse 1031 Exchange Loan Program is helping investors fund replacement properties—especially when traditional financing isn’t an option.

What You’ll Learn:

• How bridge loans support Reverse 1031 Exchange timelines
• Case studies featuring cross-collateralized and cash-out structures
• Qualifying borrowers in 24–48 hours with minimal documentation
• How exchange companies and escrow professionals collaborate with us
• Common questions and red flags to be aware of

Pacific Private Money is a leading California-based private lender specializing in equity-based bridge loans. Our team works with mortgage and real estate professionals to deliver creative lending solutions that help clients close quickly—especially in complex scenarios like Reverse 1031 Exchanges.

Disclaimer: This presentation is for informational purposes only.

Apply for a Loan with Pacific Private Money

Need fast funding to complete your reverse 1031 exchange? Submit your loan scenario today and our experienced team will work with your Qualified Intermediary to structure a loan tailored to your transaction timeline. We’re ready to help you close with confidence.

Please complete the form below. Your information will be kept strictly confidential. Once we receive your submission, a team member will contact you promptly. If submitted after business hours or over the weekend, we’ll follow up the next business day.

Prefer to speak with someone directly? Call us at 415-926-4444 during business hours and ask to speak with a loan agent.

Simplify Your Reverse 1031 Exchange with Fast, Reliable Funding

Pacific Private Money’s 1031 Exchange & Reverse 1031 Exchange Loan Program is designed for real estate investors who need bridge financing to complete a time-sensitive exchange. Whether you’re acquiring a replacement property before selling your relinquished property or facing tight IRS deadlines, our program helps ensure your exchange stays compliant and on track.

In a reverse 1031 exchange, the replacement property is acquired before the original (relinquished) property is sold. Because traditional lenders often can’t meet the timeline or structure requirements of reverse exchanges, private bridge financing becomes critical. We provide fast, short-term loans that align with IRS exchange rules and integrate directly with your Qualified Intermediary (QI).

When to Use This Loan

• You’re purchasing a replacement property before selling your current asset.
• You need to secure a property quickly to meet a 1031 identification deadline.
• Conventional lenders can’t close in time.
• You’re completing a build-to-suit or construction exchange.
• You require a high-leverage loan backed by additional collateral.

Borrower Profile

Our reverse 1031 loans are designed for:

• Real estate investors executing tax-deferred exchanges.
• High-net-worth individuals with investment or rental portfolios.
• Entities such as LLCs or trusts utilizing QIs for exchange compliance.
• Borrowers seeking non-recourse or stated-income flexibility.

We understand the complexity and urgency of exchange deals and work closely with your intermediary and legal team.

Loan Highlights

• Starting Rate: 10.75%
• Max LTV: 70% | 100% Purchase Financing w/ Additional Collateral
• Loan Term: Up to 18 Months IO (Dependent on Occupancy and Other Factors)
• Loan Amounts: Up to $1.5M | Over $1.5M on Case by Case Basis
• Property Types: SFRs, Condos, 2–4 Units, Mixed-Use, Townhomes
• Lien Position: 1st on Acquisition, 1st or 2nd on Cross Collateral
• Personal Guarantee: Yes (Inquire for Non-Recourse)
• No Appraisal Required
• Fast Closings — In as little as 7–10 days

Please Note: For mortgage professionals only. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the general public is prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualifications.

Where We Lend

Pacific Private Money is licensed to make consumer-purpose loans in the following states:

California, Oregon, Washington, Idaho, Arizona, Colorado, Texas, Georgia, Michigan, and Washington, D.C.

We also fund business-purpose loans in many states that do not require lender licensing for non-owner-occupied investment properties, these states include:

Arkansas, Colorado, Connecticut, Delaware, Florida, Hawaii, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Wisconsin, and Wyoming.

Please Note: Lending eligibility in certain states may vary based on borrower type (e.g., individual vs. entity), property classification (e.g., residential 1–4 unit vs. commercial), and occupancy status. All loans must be for business or investment purposes and are subject to compliance with applicable state regulations.

Previously Funded Loans