Case StudySponsored by Express Capital Financing

Overcoming the Double Hurdle: Tight 1031 Timelines and Credit Issues

Learn how Loan Officer Ben Shrara closed a Philadelphia DSCR loan under a tight 1031 exchange deadline by improving the borrower’s credit profile, securing nearly 80% LTV, and delivering favorable financing terms.

By Ben Shrara, Loan Officer at Express Capital FinancingMay 5, 20262 min read

Ben Shara | Express Capital Financing

A repeat real estate investor faced a high-pressure scenario while pursuing a property acquisition in Philadelphia. With funds tied to a recent refinance and a strict deadline driven by a 1031 exchange, the deal required both speed and precision. Adding complexity, the borrower needed to improve their credit score to secure aggressive 80% leverage. Through a strategic approach, Loan Officer Ben Shrara successfully structured and closed the deal, delivering stronger-than-expected terms within the required timeframe.

Every loan has a story behind the numbers.

In this section, The Elite Officer highlights real-world cases where Loan Officers turned complex challenges into successful closings. Each case shows how persistence, creativity, and financial strategy can make the difference between a stalled deal and a successful closing.

Property Type: Investment Property (DSCR Loan)

Location: Philadelphia, Pennsylvania

Loan Amount: $144,000

Interest Rate: 7.25%

Loan-to-Value (LTV): 78.7%

About the author

Ben Shrara

Loan Officer at Express Capital Financing

Ben Shrara is a Loan Officer at Express Capital Financing, where he specializes in investment-purpose real estate lending. With a strong focus on creative loan structuring, Ben helps investors secure financing across multiple asset classes — from residential and multifamily to commercial properties — utilizing DSCR, bridge, and interest-only loan programs to meet each client's unique goals.