Deadlines drive everything
Exchange identification and closing windows are fixed. Line up financing before you sell, not after.
loan programs
1031 Exchange
A 1031 exchange lets an investor reinvest proceeds from the sale of one investment property into another, following IRS rules and strict deadlines.
Maximize your real estate investment with a 1031 exchange. Avoid capital gains tax by reinvesting proceeds from the sale of one property into another. Our experts at Boss Mortgage can guide you through the complexities of the exchange process, ensuring a seamless transition while maximizing your investment.
Program description as published on bossmortgage.com/products (preserved verbatim).What this financing is
The exchange itself is a tax structure administered with a qualified intermediary. The financing on the replacement property runs alongside it and has to respect the same deadlines.
Boss Mortgage's role is the lending side: structuring and closing the loan on the replacement property so the exchange timeline is not the thing that breaks.
Who it may be a fit for
Investors selling one rental and buying another
Owners consolidating several properties
Investors moving between markets
Owners coordinating with a qualified intermediary
Investors holding property in an entity
Not sure if 1031 Exchange fits your situation?
A licensed Boss Mortgage loan originator can look at the details with you and explain what applies to you.
What to think about
Coordination is the job
Your intermediary, escrow, CPA and loan originator all need the same dates.
Get tax advice from your CPA
Boss Mortgage does not provide tax or legal advice. Whether an exchange achieves your tax objective is a question for your tax professional.
Structure affects the loan
How title will be held on the replacement property affects which programs apply.
How the process works
1. Get approved
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Shop with a clear budget in mind. When you find the right property, your loan originator can help you understand the financing details that apply to that home and your offer.
Once you are under contract, the BOSS Mortgage team helps keep the loan moving through documentation, underwriting, and closing so you can get the keys and move forward.
Frequently asked questions
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It compares the income a property produces to the debt payment on that property, and it is used in investment and commercial real estate financing.
Boss Mortgage works with investors on both purchases and refinances structured this way.
Is personal income reviewed on a DSCR loan?
DSCR structures focus on the property's ability to cover its debt service, which is why investors often consider them. The specific documentation an investor requires can still vary.
A loan originator who works with these programs can outline what a particular scenario would require.
Can I finance more than one rental property?
Many investors hold multiple properties. Boss Mortgage works with complex tax returns and with 1–4 unit properties, and can explain how equity in one property may be leveraged toward another.
What types of loans do you offer?
We offer a wide range of loan options, including Conventional, FHA, VA, USDA, Jumbo, and New Construction loans. Our team will help you choose the one that fits your needs and financial goals.
View Loan ProgramsHow do I get pre-approved for a mortgage?
Getting pre-approved is simple. Provide basic financial information, such as income, credit score, and debt details, and we’ll guide you through the process to determine your loan eligibility and budget.
How long does the mortgage process take?
The mortgage process typically takes around 30–60 days on average, but it can vary depending on the situation. It is recommended to get pre-approved for a mortgage to help keep the process as quick as possible.
Other programs
Investor Loans
Financing for rental and investment property, from a first rental to a growing portfolio, with Boss Mortgage.
Learn more →
DSCR Loans
Debt Service Coverage Ratio financing for investment property purchases and refinances, explained by Boss Mortgage.
Learn more →
LLC Lending
Financing real estate held in a limited liability company, with guidance from the Boss Mortgage investment lending team.
Learn more →
Bridge Loans
How bridge financing can help when the purchase of one home and the sale of another do not line up, from Boss Mortgage.
Learn more →Ready to get started?
Every situation is different. We’ll help you understand your options and what may fit your goals.
This page is general information about mortgage financing and is not a commitment to lend, an offer of credit, or financial or legal advice. Program availability, guidelines and requirements are set by lenders and investors, can change, and depend on your individual circumstances and the property. Talk with a licensed Boss Mortgage loan originator about what applies to you.
Boss Mortgage LLC NMLS #2547821. See the Licensing page for state licensing information. Additional disclosures appear in the footer of every page.