Investors › Keep or Sell + 1031
Keep or Sell Your Rental? After-Tax Proceeds and 1031 Exchange Deadlines
Before you list a rental, see what you would actually walk away with after selling costs, the loan payoff, depreciation recapture and capital gains tax, what keeping it for a few more years might be worth, and the deadlines if you trade into another property with a 1031 exchange.
Free investor consultation or portfolio review
Sit down with George Lensch, broker-owner of Wyze Realty. Bring a property you are looking at, or the rentals you already own. We will go over the real numbers: rent, repairs, taxes, insurance, financing and what to buy, keep or sell next.
Before you use this tool: what these numbers cannot see
The tools on this page use MLS data and your assumptions. They cannot see the condition of the house, the repairs it needs, the age of the roof, HVAC and water heater, foundation or drainage problems, flood zone and insurance cost, HOA rules on renting, the real tax bill, or how a specific street rents compared to the rest of the ZIP. A low-priced house that screens well on paper usually screens well for a reason.
No results are guaranteed. These are estimates, not an appraisal, inspection, rent guarantee or financial advice. Before you make an offer, book a consultation and we will run the property with you, including rent comps for that house and a repair estimate.
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How a 1031 exchange works
Section 1031 of the tax code lets you defer capital gains tax when you sell investment real estate and buy other investment real estate. The basics:
- A qualified intermediary has to hold the sale money. If the proceeds touch your account, the exchange fails.
- You have 45 days from closing to identify replacement property in writing, and 180 days, or your tax return due date if earlier, to close on it.
- To defer all the tax, buy property of equal or greater value and replace the debt you paid off, or add cash.
- It works for rentals, land and commercial property held for investment, not for your own home or a house you flip.
If you are selling in Huntsville and buying here too, start looking before you list so the 45-day clock does not run out while you are still shopping. Talk to your CPA and a qualified intermediary before you list.
Book a free investor consultation or portfolio review
Tell us what you are trying to buy, your budget and the return you need, or bring the rentals you already own for a portfolio review. We will send you deals that fit, run the rent and expense numbers with you, and if you want, manage the property after closing through Wyze Property Management.
Book a free consultation Call or text (256) 808-6861 Join our off-market list
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Estimates only. Not tax, legal or financial advice.