Loan Program

1031 & Reverse 1031 Loans

1031 and reverse 1031 exchange loans that provide the speed and flexibility to complete your tax-deferred exchange on time.

A 1031 exchange allows real estate investors to defer capital gains taxes by reinvesting proceeds from a property sale into a like-kind property. The challenge is meeting the strict IRS deadlines — you must identify a replacement property within 45 days and close within 180 days.

Northwest Private Lending’s 1031 exchange loans provide the speed and flexibility to ensure you meet those deadlines. We also offer reverse 1031 exchange financing, where you purchase the replacement property first using our bridge loan, then sell your existing property and complete the exchange.

Loan Highlights

Forward and reverse 1031 exchange financing
Fast closing to meet IRS deadlines
No prepayment penalties
No extension fees
Bridge loan available for reverse exchanges

Is a 1031 or Reverse 1031 Loan right for me?

It is not uncommon for investors who are coming to the end of that 1031 exchange window to use a hard money loan to purchase the new property quickly. Once they completed the 1031 exchange and have ownership of the property, they will then refinance the loan when they have more time to get a conventional loan. If the sale and purchase of the new property is completed within a short window it can be done so, tax free. Call our Northwest Private Lending team today at 503-941-5473 to find out if our 1031 or reverse 1031 loan programs are right for you!

1031 Exchange & Reverse 1031 Exchange. Made Simple.

1031 Exchange – (Sell then Buy) When a client sells an investment property and takes 100% of the proceeds to invest in another investment property. If done correctly the profit from the sale can be rolled into the new investment tax-free.

Reverse 1031 Exchange – (Buy then Sell) When a client first purchases a property they wish to hold as an investment then sells another investment property and uses the profits to pay for that property. When done correctly this can also be done tax-free.

Ready to discuss your 1031 & reverse 1031 loans deal?

Same-day pre-approval. No obligation. Talk to a real person who understands your market.

Apply for a Loan 503-941-5473

Straightforward Pricing

Simple Rates and Terms

No hidden fees, no surprises. Here’s exactly what you’ll pay — the same terms we’ve offered from day one.

Loan Origination Fee

3 points / $2,500 Minimum

Loan Document Fee

$650–850

Monthly Interest Rate

1% Per Month

Monthly Payment

Interest Only

Loan Closing - Business Purpose

3–5 Business Days

Loan Closing - Primary Residence

$0 on Performing Loans

No junk fees, now or in the future. What you see is what you pay. We have built our reputation on transparency.

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Real Deals

Featured Loans

A sample of the deals we’ve funded for investors across the Pacific Northwest.

1031 Exchange

124 Duane St, Astoria, OR

Sold PropertyCalifornia beachfront propertyLoan Amount$150,000Value after Renovataion$375,000

This was a 1031 exchange plus a fix and hold purchase. The client was using 1031 money from a sale in California to purchase the property in Astoria. They needed $150K to renovate the property. NWPL supported the 1031 exchange and funded the full renovation. Once completed, the borrower refinanced the property with a conventional loan and keeps it as a vacation rental.

1031 Exchange

2925 Field Street, Longview, WA

Sold PropertyPrevious flip propertyValue of both properties500,000Loan Amount$130,000

This is one of our regular clients who does a lot of fix and flip properties in the area. They take the profits from the sale of a flip and 1031 them into the next property. Once they have enough profit to buy with their own cash, they keep it as a long-term rental and start the process over again. When we met, they owned 0 investment properties and now own 6 free-and-clear properties.

1031 Exchange

58089 Tournament Ln, Bend, OR 97707

Purchase Price$850,000Loan Amount$450,000

Our client found the perfect investment property but needed to purchase it before they could sell their other investment property. The property they were selling had increased several hundred thousand in value and they wanted to take advantage of the 1030 exchange. NWPL was able to work with their 1031 exchange agent and enabled the loan and purchase of the new property prior to selling. Once their other property was sold, the proceeds paid off the NWPL loan and saved the client over $100K in taxes.

Reverse 1031 Exchange

5114 Eastview Ln Silverton OR

Sold Property1539 PINE ST, SILVERTON, ORValue of both properties750,000

This multi-step reverse 1031 exchange required the equity in the existing rental to purchase the new property. The existing propert was to be sold in the future and he funds would not fully pay-off the loan used to purchase the new property. Property 1 (to be purchased): Is under contract for $450,000. Property 2 (currently owned by borrower) will be listed for $225,000. The remaining loan with NWPL was refinanced with a conventional loan and saved the client $80K in taxes.

“I am a property manager and investor. NWPL is the BEST lender I have ever worked with over the last 19 years. They are always gracious, consistently work with us to achieve our goals, are efficient and Quick! in processing our paperwork and payments and very responsive. I can’t think of any negatives at all. I highly recommend them to any prospective client. Thank you NWPL!”

“Truly one of the most ethical businesses I’ve ever worked with. They go above and beyond to help find solutions to difficult lending situations and the customer service exceeds anything I would have ever imagined. Wish I could give them ’10 Stars’. We are on our third transaction with them and will only use them for all of our investments from here on out.”

Christine Harper

“Best experience for a complicated financial transaction- professional, responsive and excellent customer service from start to finish. Eric and his team are exceptional. ”

Krista Johnson

“This was the first time we had ever even considered using hard money and knew no one, so we called several names our realtor gave us. Eric was our third call but the first who seemed genuinely interested in our plan and how he could help make it work. Not a particularly easy transaction as we had found the perfect replacement property before we had even listed the property we were relinquishing in a 1031 exchange. Eric and Michelle worked with everyone involved in the purchase, reverse exchange, and eventual sale to make things go smoothly for us. He was extremely helpful, made the decision quickly on whether or not to move forward with the loan, and completed the transaction quickly so we could acquire this great property. I would most highly recommend him to anyone looking for this type of financing.”

Scott Guenther