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Thru a 1031 exchange I want to invest in a one unit, mixed-use, retail/residential property. I need roughly 120K loan and can cover the 20% down which I understand would have to go thru a commercial lending program versus residential. I want to be able to access this equity for second and third investment property which may be single family/multi residential.

How do the rules change with commercial lending?
Will I be able to access this equity similar to residential HELOC, etc.?
Are there lenders on with traditional loans that deal with multi-use?

JimW

The gains are roughly 180K.

I realize at some point during retirement I maypay taxes on the gains once sold but it seems a wiser path not pay taxes now and use that money to my advantage. Is it not also impossible to pass the 1031 deferral to my kids as well?

JimW

How do I get around borrowing my own money in the "locked equity"? One angle I could see the positive cash flow building a cash position assuming no debt service was required but this would be a slow process to build a position for the next property.

I am soon looking to sell some investment land and thru a 1031 exhange move this money into a sf or multi tenant house. Given the time restrictions on the exchange I don't feel I can spread this money across multiple units in a timely manner and the fact I cannot devote 100% of my time to this effort. My overall goal is to hold the selected property long term for retirement so basically mortage paydown w/ appreciation.

So, the question I have is am I ristricting myself in the future for access to this money/equity in the house when I want to look for the second rental house or a third? The alternative I see is paying the capital gains on the land sale and then taking my time to select mulitple properties but I do not want to give uncle sam the taxes.

Thanks
JimW