The Katalyst Team at Ethos Lending
Your Reverse 1031 Exchange, Fully Financed.
From Short-Term Transition to Long-Term Traditional — One Trusted Partner
We handle both loans, coordinate every party, and make sure the financing is never the reason your exchange costs more than it should.
The Katalyst Team
One trusted partner who handles both the transition financing and the long-term traditional loan.
Whether your situation calls for short-term transition financing, long-term traditional financing, or both, we have direct relationships with the lenders, private capital sources, and institutional partners who understand this structure and offer competitive terms. You do not need to find two different lenders. We handle both and coordinate the entire process so the financing is never the reason your exchange does not go smoothly.
Short-Term Transition Financing and Long-Term Traditional Financing
In most circumstances, transition financing carries higher rates than long-term traditional financing. The longer it remains in place after the exchange closes, the more that cost difference adds up. Without a clear plan, the short-term loan can linger while permanent financing is arranged separately. We coordinate the transition so it happens in days, not weeks.
We establish lender pre-qualification and preliminary approval well before the exchange closes. That means when the exchange completes, the long-term traditional loan is already in motion and ready to fund quickly. The goal is a seamless transition, not a scramble.
How It Works: Our Four-Phase Process
Before the Exchange Begins
We assess your full picture, including the properties, the equity, the timeline, and your goals, and identify which lenders and investors in our network offer the best terms for your specific structure. We prepare your financial profile so you are positioned for the most competitive terms available the moment you are ready to move.
During the Exchange Window
We match you with the ideal lender or investor from our network and begin establishing preliminary approval for your long-term traditional loan so it is already in motion well before the exchange closes. We manage the communication and documentation on your behalf so nothing falls through the cracks.
At Exchange Completion
Title transfers from the exchange entity back into your personal name. You were the managing member of the LLC throughout, so continuity of ownership is clear and documented. Simultaneously, your long-term loan funds and retires the short-term transition financing. One closing, one deed, one recording.
Final State
You own the replacement property in your personal name with competitive long-term financing in place. Capital gains deferred. Liquidity restored. Short-term transition financing fully retired. The most efficient path from start to finish.
Our Process: What We Handle Before the Exchange Begins
Your Next Step
Ready to Map Your Exchange Financing Strategy?
Choose the option that works best for you. No pressure either way — we will follow up within one business day.
For educational purposes only. Not legal or tax advice. Consult your Qualified Intermediary, tax counsel, and lending advisor before making exchange structure decisions.