Catalpa House Funding offers real estate investors a Quick Equity Cashout Program allowing you to access the new fully appraised value immediately instead of waiting a year. While most lenders require a 12-month seasoning period before allowing a cash-out refinance on the fully appraised value, our streamlined approach lets you unlock your equity as soon as renovations are complete. We start with a short-term cashout loan with no prepayment penalties, then seamlessly transition you into a long-term conventional loan. This fast access to capital empowers investors to fund their next deals and scale their portfolios without unnecessary delays.
Products
Construction Loans
Catalpa House Funding offers high-leverage construction loans with up to 100% LTC financing for both the purchase price and rehab costs, allowing investors to minimize upfront capital. Unlike traditional lenders that require large cash investments, our program provides the necessary funding to acquire and renovate properties with minimal out-of-pocket expenses. With a straightforward approval process and structured loan terms, investors can efficiently complete projects, scale their portfolios, and maximize returns without being restricted by cash reserves.
DSCR Financing & Cash Out Refinance
Catalpa House Funding offers real estate investors flexible DSCR (Debt Service Coverage Ratio) financing designed to maximize your investment potential. Our program provides cash-out refinancing up to 80% LTV, allowing you to access your property’s equity to fund renovations, acquire additional properties, or reinvest in your portfolio. For new acquisitions, we offer purchase financing up to 80% LTV, enabling you to preserve capital while expanding your real estate holdings.
Unlike traditional financing that focuses on personal income, our DSCR loans qualify based on your property’s rental income and cash flow. This streamlined approach means faster approvals and less documentation. Whether you’re looking to tap into existing equity or purchase your next investment property, our DSCR financing solutions provide the flexibility and leverage you need to scale your portfolio efficiently.