1031 Exchange Loans from a California Private Money Lender

Private Money Financing for 1031 Exchange Transactions in California

A 1031 exchange allows investors to defer capital gains taxes by reinvesting the proceeds from a property sale into a like-kind replacement property under Section 1031 of the Internal Revenue Code. The IRS imposes strict timelines: 45 days to identify the replacement property and 180 days to close. Missing either deadline disqualifies the exchange and triggers the deferred tax liability.

When timing is tight, private money bridge financing is often the solution that keeps the exchange intact. Rubicon Mortgage Fund, LLC has been providing 1031 exchange loans for commercial real estate investors throughout California since 2008, based in Lafayette in the San Francisco Bay Area.

How Rubicon Approaches 1031 Exchange Financing

Rubicon evaluates the replacement property on its own merits: location, current market value, physical condition, and the borrower's equity position relative to the exchange proceeds. We conduct a physical inspection of every property we lend on. No personal credit check, tax returns, or income verification is required. We work directly with the borrower's qualified intermediary to ensure the loan structure complies with IRS exchange requirements.

We lend to individuals, LLCs, corporations, trusts, and partnerships. We are experienced with both forward and reverse 1031 exchange structures.

Common 1031 Exchange Scenarios We Finance

• Replacement property identified with a tight window remaining to close
• Reverse 1031 exchange requiring acquisition of the replacement property before the relinquished property sells
• Replacement property type or condition that requires flexible underwriting
• Ownership held in trust, LLC, or partnership requiring specialized loan structuring
• Short identification period remaining with no committed financing in place

Lending Criteria

• Loan amounts from $500,000 to $15,000,000
• Up to 65% loan-to-value (LTV)
• First position only
• All commercial property types across California
• No credit check required
• Loan terms from 6 months to 24 months

Get Started

If your 1031 exchange deadline is approaching, contact Rubicon Mortgage Fund, LLC as early as possible in the process. We serve investors throughout California including the San Francisco Bay Area, Northern California, Sacramento, Los Angeles, and San Diego. We typically provide an initial response and preliminary terms within 24 hours of inquiry and coordinate directly with your qualified intermediary.