---
title: Year-End Moves for Real Estate Investors
description: Seven things real estate investors should handle before December 31, from closing deadlines and entity cleanup to lining up Q1 financing.
---

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# Year-End Moves for Real Estate Investors

Seven things real estate investors should handle before December 31, from closing deadlines and entity cleanup to lining up Q1 financing.

[Christian Groomes](https://referralprogram.pkcapital.com/pk-capital-solutions-llc-blog/author/christian-groomes)

 Sep 30, 2026

---

The last five weeks of the year go fast. Between holidays, title office closures, and tax deadlines, investors who wait until mid-December often find their options have narrowed. Here are seven moves to make now so you finish 2026 clean and start 2027 ready to buy.

*This post is general information, not tax or legal advice. Talk to your CPA and attorney about your situation.*

## 1. Know your closing cutoff

If a closing needs to happen in 2026 for tax or business reasons, get it moving now. Title companies, appraisers, and county offices run on reduced schedules in late December. To close with PK by December 31, get your complete file to us by December 10.

## 2. Meet with your CPA before December 31

The timing of a sale or purchase can change which tax year it lands in. Ask your CPA about:

- Whether to close a pending sale before or after January 1
- Depreciation on rentals you placed in service this year
- Whether a cost segregation study makes sense on larger properties
- 1031 exchange timelines if you are selling. You have 45 days to identify a replacement property and 180 days to close, so a December sale puts your deadlines in winter.

## 3. Clean up your entities

Lenders will ask for your entity documents on every deal. Make sure each LLC has:

- A current operating agreement
- An EIN letter
- Good standing with the state, with any annual reports filed
- Its own bank account, separate from your personal funds

Fixing an entity issue in the middle of a closing is one of the most common delays we see.

## 4. Update your track record

Write down every deal you completed in 2026: address, purchase price, rehab cost, sale price or current rent, and hold time. Your track record affects leverage and pricing on your next loan. A clean, current spreadsheet can move you into a better tier. Include the deals that went sideways too. Lenders want to see how you handled a problem, not just the wins.

## 5. Review your 2027 loan maturities

Pull a list of every loan that matures in the next 12 months. For each one, decide now: sell, refinance, or extend. Waiting until 60 days before maturity limits your options and your leverage in the conversation.

If you have rentals on short-term debt, this is a good time to look at a DSCR refinance.

## 6. Refresh your financial documents

Most lenders will ask for recent bank statements, a personal financial statement, and proof of insurance. Update your personal financial statement at year-end so it is ready for January deals. Check that insurance renewals are not lapsing on any properties.

## 7. Line up financing for Q1

Winter can be a strong buying season. Fewer buyers are active, and some sellers are motivated to close before spring. Investors who already have a lender relationship and know their terms can move fast when a deal shows up.

If you expect to buy in the first quarter, talk to us now about the kinds of deals you are targeting. We can outline terms ahead of time so you can make offers with confidence.

A simple way to get started: send us a list of the properties you expect to buy or refinance in the first half of 2027, with rough purchase prices and budgets. We will tell you which loan fits each one and how much cash you will need, so nothing waits on financing when the deal shows up.

## From all of us at PK

Thank you for a strong year. We appreciate the borrowers who trust us with their projects, and we are looking forward to funding what you build in 2027.

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