We offer 12 month hard money loans to purchase distressed real estate.

We offer conventional financing – Fannie/Freddie direct

We offer Non-Conventional loans including 30 year fixed DSCR, Blanket/Porfolio, Air BnB/VRBO loans.

Property Geographic Area Details
Texas - Everywhere , Georgia - Atlanta
Loan Amounts
$1 to $10,000,000
Interest Rates
6.99% to 13.49%
Loan Terms
0 months to 360 months
Origination Fees
1% to 3.5%
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Primary Residence Purchase
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
  • Owner Occupied Residential

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 100%
Max LTP Multifamily: 100%
Purchase Long-Term
Max LTP Residential: 85%
Max LTP Multifamily: 75%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Refinance Long-Term
Max LTV Residential: 85%
Residential Fix & Flip
Max LTP: 100%
Max LTC: 100%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 100%
Max LTC: 100%
Max LTARV: 75%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction

Specialty Loan Types

  • Residential Long-Term Rental
  • Residential Non-Prime

Max Loan-to-Purchase Price

0%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

no

Max LTC for Renovation Costs

100%

Minimum Origination Fee Amount

$2,000

Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Appraisal Fee

Details and Requirements

Typical Closing Time (Days)

7

Fastest Closing Time (Days)

2

Pre Payment Penalty

no

Will lend to a foreign national

yes

Max 65% LTV
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
Documentation Required
  • Credit Report
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

500

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Catalyst Funding Testimonials

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A Real Estate Lender Built by Real Estate Investors. 

Accelerate your future in real estate today!

Whether you own a 60+ rental portfolio or are a first-time “flipper”, Catalyst Funding can help you. Catalyst Funding is a leader committed to guiding investors of all experience levels through the real estate investing process.

We develop a comprehensive plan specific to your needs and provide the financing to help you achieve your real estate goals. From competitive rates and flexible terms to quick closings, Catalyst Funding can show you how the power of leverage can accelerate your income.

How are we different from other lenders?

In addition to helping you secure the cash you need to acquire your property, Catalyst offers a holistic approach, rather than a transactional approach, to our clients. We can meet with clients to assess the project and conduct an after repair value (ARV) analysis. We employ an on-staff project manager who can review your plan and budget to ensure the scope of work is appropriate for your disposition strategy and that the bid is priced correctly.

Our team provides unrivaled guidance while building long-lasting, mutually beneficial relationships with partners. Catalyst can help you maximize your earning potential and accelerate your financial future.

Our Company Highlights:

  • One-stop-shop for Private Money & Permanent Financing Loans
  • Built by real estate investors
  • Involved in thousands of transactions
  • A single point of contact for all your loans
  • Fully licensed loan officers
  • Approval for multiple loan products with just one credit pull
  • Pre-approval letters in as little as 24-48 business hours

Products Offered:

  • Hard Money, Conventional & Non-Conventional – 30 year fixed no income doc – landlord loans. Cash-out options available
  • Primary Refinance, Purchase, and Cash Out
  • Non-Conventional options allowing FICO scores as low as 500
  • Hard Money loans starting at 6.99% & 2 points
  • Vip Flip Program. Rates as low 9.99% and options as low as 1 point
  • Excellent Off-Market Wholesale Opportunities for Pre-Approved Borrowers
Year Established

2014

Office Locations

11550 Fuqua Street, #210, Houston, Texas 77034

Primary Capital Source
  • Own Funds
  • Bank Credit Line
  • Private Equity Funds
  • Life Insurance Companies
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • Table Funding with Capital Partner
  • Table Funding with Bank

Our Team

Wade Comeaux

Founder & President

Jeff Johnson

Director of Lending

Austin Pool

Sales Team Manager

Contact Catalyst Funding

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Our Minimum Loan Amount Is

$1

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