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Oct '25 •
1031 exchange, cash out refi, or HELOC?
We have an LTR in an area with higher than normal appreciation (SF Bay Area) so ideally I'd like to hang onto that property if possible, but I want to use the equity to buy something else also. Is it better to cut ties and do a 1031 exchange, try a cash out refi or do a HELOC? The thing that's making this a hard decision is we currently have a fixed 2.65% rate on it!
1 like • Oct '25
@Joaquim Resende True. I didn’t know they do HELOCs on rental properties. I’ll look into that. Thanks.
Sep '24 •
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1 like • Oct '25
Aloha Ana (and all)! Kalani here. Originally from Hawaii now residing in the SF Bay Area. I'm considering 1031 exchanging an LTR for either an STR or an assisted living facility. I could use some insight to help me decide which route to go with. Mahalo!
1 like • Oct '25
@Ana Klein, CPA No, I don't (neither does my wife). If my understanding is right, an ALF is considered active income, right? So, I should be able to do a cost seg and use 100% bonus depreciation against my W2 income without having REPS status (or using the STR loophole, of course)? We would be out-of-state semi-absentee owners but I could easily see myself spending 500+ hours between remote coordination, frequent communications with onsite staff, occasional onsite visits etc.
1-2 of 2
@kalani-kotrys-8335
Husband and father of 3. Originally from Hawaii now living in the Bay Area. Brand new to STRs. My goal is to replace my W2 income in 2-3 years.
Active 63d ago
Joined Oct 16, 2025
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