ZINC Financial
Fresno, California
CA DRE Lic. 01960640, CFL Lic. 6073431
Am I Qualified?
CALIFORNIA: LA, OC, San Diego, Inland Empire, Santa Barbara, Central Valley, Bakersfield, Fresno, Sacramento, Bay Area, Sierra Nevadas, Lake Tahoe
Property Geographic Area Details
$100,000 to $2,500,000
Loan Amounts
8.99% to 11.99%
Interest Rates
1 months to 360 months
Loan Terms
0.50% to 2.0%
Origination Fees
1st
Lien Position

Since 2006, ZINC Financial has distinguished itself by financing billions in private money transactions. Unlike 98% of private money lenders, ZINC is a TRUE REAL LENDER with its own FUND, balance sheeting its own loans. This means we make our own decisions right here in our corporate office. We specialize in fix-and-flip, rehab-and-rent, bridge, and ground-up construction loans, empowering investors to leverage their capital for maximum ROI and profits. Because we are supported by our own fund, you are not subject to capital market buyers or unrelated party underwriting. We make all decisions in-house, from origination to servicing, fund control, and more. We also exception our own underwriting, allowing us to customize underwriting to meet borrower specific needs; other lenders lack this ability.

  • Residential Investment Properties only
  • Rehab Loans up to 92.50% Loan-to-Cost
  • No Prepayment Penalty for Rehab & Bridge Loans
  • New & Experienced Investors Welcomed
  • In-House Servicing
  • In-House Fund Control
  • In-House Underwriting & Processing
  • Non-Dutch Interest
  • Minimum 660+ FICO score required

Please note: We do NOT consider owner-occupied homes, land, or commercial properties.

What we do:
  • Rehab, Construction, DSCR, Bridge Loans
  • Residential Investment Properties only
  • Rehab up to 92.50% Loan-to-Cost
  • Delayed purchase loans for rehab
  • In-House Underwriting
  • In-House Servicing
  • In-House Fund Control
What we don't consider:
  • 100% Financing
  • Cash Out Refinance
  • Gap Funding
  • 2nd Mortgages
  • Land Loans
  • Commercial Properties
  • Rural Locations
Credit Check Required
Prepayment Penalty
Typical Closing Time (Days)
Our Team
Todd Pigott
President
CA DRE Lic. -
01742641
John Evangelista
Chief Financial Officer
CA DRE Lic. -