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
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


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Appraisal Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Pre Payment Penalty


Will lend to a foreign national


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


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


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


    Minimum Credit Score Required


    Appraisal Required for Residential Property


    Broker Price Opinion (BPO) Accepted for Residential Property

    Catalyst Funding Testimonials

    Get In Touch

    Catalyst Funding pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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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


    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

    Get In Touch

    Catalyst Funding pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

    Stay Informed About Private Lending

    Receive our monthly newsletters with valuable insights and industry updates
    Before You Contact Us

    Our Minimum Loan Amount Is


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