{"id":472,"date":"2026-06-13T02:42:30","date_gmt":"2026-06-13T06:42:30","guid":{"rendered":"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/"},"modified":"2026-06-13T02:43:42","modified_gmt":"2026-06-13T06:43:42","slug":"1031-exchange-timeline-deadlines-guide","status":"publish","type":"post","link":"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/","title":{"rendered":"1031 Exchange Timeline: Critical Dates You Must Know (2026)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#1031_Exchange_Timeline_The_Dates_That_Matter\" >1031 Exchange Timeline: The Dates That Matter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#The_Two_Deadlines_You_Cannot_Miss\" >The Two Deadlines You Cannot Miss<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Complete_1031_Exchange_Timeline_Day_by_Day\" >Complete 1031 Exchange Timeline: Day by Day<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Before_Day_0_Preparation\" >Before Day 0: Preparation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Day_0_Sale_of_Relinquished_Property_Closes\" >Day 0: Sale of Relinquished Property Closes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Day_1%E2%80%9345_Identification_Period\" >Day 1\u201345: Identification Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Day_45%E2%80%93180_Acquisition_Period\" >Day 45\u2013180: Acquisition Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Day_180_Exchange_Complete\" >Day 180: Exchange Complete<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Worked_Example_Austin_to_Memphis_Exchange\" >Worked Example: Austin to Memphis Exchange<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#What_Triggers_a_Failed_Exchange\" >What Triggers a Failed Exchange<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#How_to_Build_a_Buffer_Into_Your_Timeline\" >How to Build a Buffer Into Your Timeline<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#1031_Exchange_Costs\" >1031 Exchange Costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/arvcalc.com\/blog\/1031-exchange-timeline-deadlines-guide\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1031_Exchange_Timeline_The_Dates_That_Matter\"><\/span>1031 Exchange Timeline: The Dates That Matter<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 1031 exchange timeline has two deadlines that cannot be extended, negotiated, or forgiven. Miss either one and you owe capital gains tax on the entire sale. No exceptions, no grace period, no &#8220;I didn&#8217;t know.&#8221;<\/p>\n<p>This guide covers every critical date in the 1031 exchange timeline, what happens at each stage, and how to avoid the mistakes that trigger a taxable event. Use the free <a href=\"\/1031-exchange-calculator\">1031 Exchange Calculator<\/a> to model your tax deferral, and read the <a href=\"\/blog\/1031-exchange-real-estate-guide\/\">complete 1031 exchange guide<\/a> for rules and requirements.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Two_Deadlines_You_Cannot_Miss\"><\/span>The Two Deadlines You Cannot Miss<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tr>\n<th>Deadline<\/th>\n<th>Days After Sale<\/th>\n<th>What Must Happen<\/th>\n<th>Can It Be Extended?<\/th>\n<\/tr>\n<tr>\n<td><strong>Identification Period<\/strong><\/td>\n<td><strong>45 days<\/strong><\/td>\n<td>Identify up to 3 replacement properties in writing<\/td>\n<td>No \u2014 not even by 1 day<\/td>\n<\/tr>\n<tr>\n<td><strong>Exchange Period<\/strong><\/td>\n<td><strong>180 days<\/strong><\/td>\n<td>Close on the replacement property<\/td>\n<td>No \u2014 not even by 1 day<\/td>\n<\/tr>\n<\/table>\n<p>Both deadlines in the 1031 exchange timeline are calendar days, not business days. Weekends and holidays count. If day 45 falls on a Sunday, the identification is due Sunday \u2014 not Monday.<\/p>\n<p>According to <a href=\"https:\/\/www.irs.gov\/publications\/p544\" target=\"_blank\" rel=\"noopener\">IRS Publication 544<\/a>, these deadlines are statutory and the IRS has no authority to grant extensions except in cases of federally declared disasters.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Complete_1031_Exchange_Timeline_Day_by_Day\"><\/span>Complete 1031 Exchange Timeline: Day by Day<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Here is every step from listing to closing, with the dates that matter:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Before_Day_0_Preparation\"><\/span>Before Day 0: Preparation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Hire a Qualified Intermediary (QI) before listing.<\/strong> The QI must be in place before you close the sale. They hold the proceeds \u2014 if you touch the money, the exchange fails. QI fees run $750 to $1,500 for a standard exchange.<\/p>\n<p><strong>Do not sign a purchase agreement on the replacement property yet.<\/strong> You can research and tour properties, but do not enter into a binding contract before selling. The exchange starts when the relinquished property closes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Day_0_Sale_of_Relinquished_Property_Closes\"><\/span>Day 0: Sale of Relinquished Property Closes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1031 exchange timeline clock starts when title transfers on the property you are selling. The QI receives the proceeds directly \u2014 they never pass through your hands or bank account.<\/p>\n<p><strong>Key point:<\/strong> If your closing is delayed by a week, your 45-day and 180-day clocks shift by a week. The deadlines are tied to the actual closing date, not the listing date or contract date.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Day_1%E2%80%9345_Identification_Period\"><\/span>Day 1\u201345: Identification Period<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You have 45 calendar days to identify replacement properties in writing to your QI. This is the most stressful phase of the 1031 exchange timeline for most exchangers because the timeline is tight and the consequences of failure are severe.<\/p>\n<p><strong>Three identification rules (choose one):<\/strong><\/p>\n<table>\n<tr>\n<th>Rule<\/th>\n<th>What It Allows<\/th>\n<th>Best For<\/th>\n<\/tr>\n<tr>\n<td>3-Property Rule<\/td>\n<td>Identify up to 3 properties of any value<\/td>\n<td>Most exchangers \u2014 simple and safe<\/td>\n<\/tr>\n<tr>\n<td>200% Rule<\/td>\n<td>Identify any number, total value cannot exceed 200% of sold property<\/td>\n<td>Exchangers considering many small properties<\/td>\n<\/tr>\n<tr>\n<td>95% Rule<\/td>\n<td>Identify any number of any value, but must close on 95% of total identified value<\/td>\n<td>Almost never used \u2014 too risky<\/td>\n<\/tr>\n<\/table>\n<p><strong>Most investors use the 3-Property Rule.<\/strong> Identify your top choice plus two backups. If your first choice falls through, you have alternatives without restarting the process.<\/p>\n<p><strong>The identification must be in writing<\/strong> \u2014 signed, dated, and delivered to your QI by 11:59 PM on day 45. An email to your QI counts. A verbal mention to your agent does not.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Day_45%E2%80%93180_Acquisition_Period\"><\/span>Day 45\u2013180: Acquisition Period<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>After identifying properties, you have until day 180 to close on one (or more) of the identified replacements. You cannot buy a property that was not on your identification list.<\/p>\n<p><strong>Common timeline within this phase:<\/strong><\/p>\n<table>\n<tr>\n<th>Task<\/th>\n<th>Typical Timeline<\/th>\n<\/tr>\n<tr>\n<td>Enter contract on replacement property<\/td>\n<td>Day 30\u201360<\/td>\n<\/tr>\n<tr>\n<td>Inspection and due diligence<\/td>\n<td>Day 45\u201390<\/td>\n<\/tr>\n<tr>\n<td>Loan underwriting (if financing)<\/td>\n<td>Day 60\u2013150<\/td>\n<\/tr>\n<tr>\n<td>Appraisal<\/td>\n<td>Day 90\u2013140<\/td>\n<\/tr>\n<tr>\n<td><strong>Close on replacement property<\/strong><\/td>\n<td><strong>Day 120\u2013180<\/strong><\/td>\n<\/tr>\n<\/table>\n<p>Most investors completing a 1031 exchange timeline close between day 120 and day 170. Waiting until day 178 is risky \u2014 one title issue or lender delay and you blow the deadline.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Day_180_Exchange_Complete\"><\/span>Day 180: Exchange Complete<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The QI transfers the held proceeds to the closing agent for the replacement property purchase. If everything closes on time, the capital gains tax is deferred. You owe nothing to the IRS on the sale \u2014 until you eventually sell the replacement property without doing another exchange.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Worked_Example_Austin_to_Memphis_Exchange\"><\/span>Worked Example: Austin to Memphis Exchange<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sarah sells a duplex in Austin for $420,000. Original purchase price: $280,000. Capital gains: $140,000. At a combined 25% federal + state rate, she would owe <strong>$35,000 in taxes<\/strong> without a 1031 exchange.<\/p>\n<table>\n<tr>\n<th>Date<\/th>\n<th>Day<\/th>\n<th>Event<\/th>\n<\/tr>\n<tr>\n<td>March 15<\/td>\n<td>Day 0<\/td>\n<td>Austin duplex closes. QI receives $420,000.<\/td>\n<\/tr>\n<tr>\n<td>March 20<\/td>\n<td>Day 5<\/td>\n<td>Sarah begins touring properties in Memphis.<\/td>\n<\/tr>\n<tr>\n<td>April 15<\/td>\n<td>Day 31<\/td>\n<td>Makes offer on a Memphis fourplex ($380,000).<\/td>\n<\/tr>\n<tr>\n<td>April 29<\/td>\n<td>Day 45<\/td>\n<td>Submits written identification: Memphis fourplex + 2 backup properties.<\/td>\n<\/tr>\n<tr>\n<td>May 10<\/td>\n<td>Day 56<\/td>\n<td>Inspection complete. Negotiates $8,000 repair credit.<\/td>\n<\/tr>\n<tr>\n<td>June 20<\/td>\n<td>Day 97<\/td>\n<td>DSCR loan approved. Appraisal at $395,000.<\/td>\n<\/tr>\n<tr>\n<td>July 25<\/td>\n<td>Day 132<\/td>\n<td>Closes on Memphis fourplex. QI transfers funds.<\/td>\n<\/tr>\n<tr>\n<td>\u2014<\/td>\n<td>\u2014<\/td>\n<td><strong>$35,000 in capital gains tax deferred.<\/strong><\/td>\n<\/tr>\n<\/table>\n<p>Sarah closed on day 132 \u2014 48 days before the 180-day deadline. She used a DSCR loan (no income verification needed) and the <a href=\"\/dscr-calculator\">DSCR Calculator<\/a> confirmed the fourplex at 1.35 DSCR. Tax saved: $35,000. Use the <a href=\"\/1031-exchange-calculator\">1031 Exchange Calculator<\/a> to estimate your tax deferral.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Triggers_a_Failed_Exchange\"><\/span>What Triggers a Failed Exchange<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Missing the 45-day identification deadline.<\/strong> Even by one day. There is no appeals process. If you do not deliver a signed identification letter to your QI by day 45, the exchange fails and the QI sends you the proceeds as taxable income.<\/p>\n<p><strong>Touching the money.<\/strong> If sale proceeds pass through your bank account at any point \u2014 even briefly \u2014 the exchange is disqualified. The QI must hold and transfer all funds.<\/p>\n<p><strong>Buying a property not on your identification list.<\/strong> You found a better deal on day 90? Too bad \u2014 if it was not identified by day 45, it does not qualify.<\/p>\n<p><strong>Using a disqualified intermediary.<\/strong> Your attorney, CPA, real estate agent, or anyone who has acted as your agent in the past 2 years cannot serve as QI. Use an independent, <a href=\"https:\/\/www.1031.org\/\" target=\"_blank\" rel=\"noopener\">Federation of Exchange Accommodators<\/a> member.<\/p>\n<p><strong>Receiving &#8220;boot.&#8221;<\/strong> If the replacement property costs less than the sold property, the difference (&#8220;boot&#8221;) is taxable. To defer 100% of gains, the replacement must be equal or greater in value. Use the <a href=\"\/capital-gains-tax-calculator\">Capital Gains Tax Calculator<\/a> to model partial vs full deferral.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Build_a_Buffer_Into_Your_Timeline\"><\/span>How to Build a Buffer Into Your Timeline<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To protect your 1031 exchange timeline, experienced exchangers follow these rules to avoid deadline disasters:<\/p>\n<ul>\n<li><strong>Start property shopping before listing.<\/strong> Know your target market, price range, and property type before day 0. You do not have time to &#8220;figure it out&#8221; during the 45-day window.<\/li>\n<li><strong>Identify 3 properties by day 30.<\/strong> Give yourself a 15-day buffer. Markets move fast and you may need to pivot.<\/li>\n<li><strong>Target closing by day 150.<\/strong> A 30-day buffer protects against lender delays, title issues, and inspection surprises.<\/li>\n<li><strong>Use a DSCR loan for faster closing.<\/strong> Conventional loans require income documentation and take 45-60 days. DSCR loans close in 21-35 days because they qualify the property, not you. See the <a href=\"\/blog\/dscr-loans-guide-2026\/\">DSCR Loans Guide<\/a>.<\/li>\n<li><strong>Have backup financing ready.<\/strong> If your primary lender falls through on day 160, a backup hard money lender can close in 7-10 days \u2014 expensive, but cheaper than $35,000 in taxes.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"1031_Exchange_Costs\"><\/span>1031 Exchange Costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tr>\n<th>Cost<\/th>\n<th>Typical Range<\/th>\n<th>Notes<\/th>\n<\/tr>\n<tr>\n<td>Qualified Intermediary fee<\/td>\n<td>$750\u2013$1,500<\/td>\n<td>Required \u2014 non-negotiable<\/td>\n<\/tr>\n<tr>\n<td>Legal review<\/td>\n<td>$500\u2013$2,000<\/td>\n<td>Recommended for complex exchanges<\/td>\n<\/tr>\n<tr>\n<td>Closing costs (buy side)<\/td>\n<td>2%\u20134% of purchase<\/td>\n<td>Standard buyer costs<\/td>\n<\/tr>\n<tr>\n<td>Inspection + appraisal<\/td>\n<td>$500\u2013$1,000<\/td>\n<td>Standard<\/td>\n<\/tr>\n<tr>\n<td><strong>Total exchange costs<\/strong><\/td>\n<td><strong>$2,000\u2013$5,000<\/strong><\/td>\n<td>Still far less than capital gains tax<\/td>\n<\/tr>\n<\/table>\n<p>On Sarah&#8217;s $140,000 gain, the exchange cost $3,200 total. The alternative was $35,000 in taxes. The exchange saved $31,800. Use the <a href=\"\/closing-costs-calculator\">Closing Costs Calculator<\/a> to estimate buy-side costs on your replacement property.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This article is for educational purposes only and does not constitute tax, legal, or financial advice. 1031 exchange rules are complex and vary by situation. The IRS may update regulations at any time. Consult a qualified tax advisor, real estate attorney, and qualified intermediary before attempting a 1031 exchange. ArvCalc is not a tax advisor, attorney, or qualified intermediary.<\/p>\n<div class=\"schema-faq wp-block-yoast-faq-block\">\n<div class=\"schema-faq-section\">\n<strong class=\"schema-faq-question\">What is the 45-day rule in a 1031 exchange?<\/strong><\/p>\n<p class=\"schema-faq-answer\">The 45-day rule in the 1031 exchange timeline requires you to identify replacement properties in writing within 45 calendar days of selling your relinquished property. The identification must be signed, dated, and delivered to your qualified intermediary. Missing this deadline by even one day disqualifies the exchange and triggers capital gains tax on the entire sale.<\/p>\n<\/div>\n<div class=\"schema-faq-section\">\n<strong class=\"schema-faq-question\">What is the 180-day rule in a 1031 exchange?<\/strong><\/p>\n<p class=\"schema-faq-answer\">The 180-day rule in the 1031 exchange timeline requires you to close on a replacement property within 180 calendar days of selling your relinquished property. The replacement must be one of the properties identified during the 45-day identification period. Both the 45-day and 180-day deadlines run concurrently from the sale closing date.<\/p>\n<\/div>\n<div class=\"schema-faq-section\">\n<strong class=\"schema-faq-question\">Can the 1031 exchange timeline be extended?<\/strong><\/p>\n<p class=\"schema-faq-answer\">No. The 1031 exchange timeline deadlines (45-day and 180-day) cannot be extended under normal circumstances. The IRS has granted extensions only for federally declared disasters affecting specific geographic areas. Weekends, holidays, personal emergencies, lender delays, and market conditions do not qualify for extensions.<\/p>\n<\/div>\n<div class=\"schema-faq-section\">\n<strong class=\"schema-faq-question\">How many properties can I identify in a 1031 exchange?<\/strong><\/p>\n<p class=\"schema-faq-answer\">Under the 3-Property Rule (most common), you can identify up to 3 replacement properties of any value. Under the 200% Rule, you can identify any number of properties as long as their total value does not exceed 200% of the sold property&#8217;s value. The 95% Rule allows unlimited identifications but requires closing on at least 95% of total identified value.<\/p>\n<\/div>\n<div class=\"schema-faq-section\">\n<strong class=\"schema-faq-question\">What happens if I miss the 1031 exchange deadline?<\/strong><\/p>\n<p class=\"schema-faq-answer\">If you miss either the 45-day identification deadline or the 180-day exchange deadline, the exchange fails completely. The qualified intermediary releases the sale proceeds to you as taxable income. You owe capital gains tax on the full gain from the sale, plus any applicable state taxes and the 3.8% Net Investment Income Tax if your income exceeds the threshold.<\/p>\n<\/div>\n<div class=\"schema-faq-section\">\n<strong class=\"schema-faq-question\">How much does a 1031 exchange cost?<\/strong><\/p>\n<p class=\"schema-faq-answer\">A standard 1031 exchange costs $2,000 to $5,000 total, including the qualified intermediary fee ($750 to $1,500), legal review ($500 to $2,000), and standard closing costs on the replacement property (2% to 4%). These costs are almost always far less than the capital gains tax you defer. On a $140,000 gain at 25% combined rate, the exchange saves approximately $30,000 net after fees.<\/p>\n<\/div>\n<div class=\"schema-faq-section\">\n<strong class=\"schema-faq-question\">Can I do a 1031 exchange with a DSCR loan?<\/strong><\/p>\n<p class=\"schema-faq-answer\">Yes. DSCR loans are popular for 1031 exchange replacement properties because they close faster (21 to 35 days vs 45 to 60 for conventional) and qualify based on property income rather than personal tax returns. This is especially helpful when the 180-day deadline is approaching and speed matters. Most DSCR lenders are familiar with 1031 exchange transactions.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>1031 Exchange Timeline: The Dates That Matter The 1031 exchange timeline has two deadlines that cannot be extended, negotiated, or forgiven. Miss either one and you owe capital gains tax&#8230;<\/p>\n","protected":false},"author":1,"featured_media":475,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-investing"],"_links":{"self":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/comments?post=472"}],"version-history":[{"count":2,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/472\/revisions"}],"predecessor-version":[{"id":474,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/posts\/472\/revisions\/474"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media\/475"}],"wp:attachment":[{"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/media?parent=472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/categories?post=472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arvcalc.com\/blog\/wp-json\/wp\/v2\/tags?post=472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}