Investing in trust deeds through ZINC Financial, Inc. is one of the most secure ways to invest in your future. The first position trust deeds offered by ZINC Financial routinely see annual returns between 8% and 10%, and each ZINC trust deed is backed by significant value in the underlying collateral. Here are some of our lending guidelines:

  • Geographic Areas: AZ, CA, CO, IN, MI, NM, OH, TN, TX, WA
  • Lien Position: 1st only
  • Property Types: SFR, 2-4 Units, Small Multifamily
  • Loan Types: Purchase & Refinance Bridge, Equity Cash Out, Rehab Fix & Flip, Rental Loan up to 5 years
  • Loan-to-Value: Up to 70%
  • Credit Requirement: We won’t lend to people with bad credit
  • Appraisal: Always Required
  • Licensed: CFL Lic. 6073431, CA DRE Lic. 01960640

Property Geographic Area Details


Investment Type

Mortgage Trust Deed

Target Return

8% to 10% Annually

Minimum Investment


Lien Position

Only 1st Liens

Average LTV for All Loans


Average Loan Term

10.5 months

Property Types and Loan Types

Collateral Types

  • Residential Property

Property Types

  • Residential Investment
  • Multifamily

Loan Types

  • Purchase
  • Refinance
  • Fix & Flip
  • Rehab Value Add

Investor Types

  • Individual Accredited
  • Individual Non-Accredited
  • Ultra High Net Worth Investor
  • Family Office

Funding Process

Fund Before or After Closing

Note Ownership Offered

Whole Loans Only


Always Retained

Achieve Better Returns With Trust Deed Investments

ZINC requires each borrower to contribute a significant down payment at closing, creating an alignment of interest between the borrower and the lender. At this time, ZINC maintains a 99.3% on-time performance metric with respect to its current portfolio. ZINC has originated over $1 billion of “Investor Rehab” first position trust deeds with a loss ratio less than 1/4%. These ratios are not only impressive, but far exceed those offered by traditional investments such as stocks, REITs, and CDs. Additionally, ZINC’s investors are in complete control of their own trust deeds, which means they remain fully secured in every transaction.

Whether you’re looking for a safe investment for retirement or you’re simply trying to find a promising opportunity with low risks and high rewards, trust deed investing is an excellent choice for astute investors.

zinc financial trust deed investment returns chart

zinc financial trust deed investment comparison table

Partner with an Experienced Company

ZINC Financial is a licensed lender, not a broker. This means that ZINC also invests its own money in the very loans you have an opportunity to invest in, creating real alignment of interest. For years, ZINC has helped countless investors build their wealth, secure their retirement and supplement their monthly income with our trust deed investments. By investing in trust deeds with ZINC Financial, you are not only making a wise investment that will benefit you for years to come, but also creating exciting new opportunities for well-groomed real estate entrepreneurs. As you can see, the entire process creates a true win-win relationship.

Investor Due Diligence

Trust deed investors are free to perform their own due diligence without pressure from ZINC Financial, though the company cannot indefinitely delay the funding of a particular loan for the purpose of due diligence. In addition to review of loan materials, investors also have the opportunity to review the collateral of a given loan, namely the investment property. Investors can review the condition, value, marketability, and other valuation factors of the property before choosing to purchase any loan. When possible, investors may also perform an on-site inspection of the property. ZINC is a licensed lender. As such, ZINC has proprietary access to research and data not offered to the public, including direct access to the I.R.S. and Social Security Administration.

Ethical Standards and Business Practices

ZINC Financial adheres to a high level of ethical standards. We seek to perform business-only lending within the confines of the law and with the best interests of all parties involved. Our business model was built upon a foundation of high moral focus and dedication to integrity, reliability, and service.


Trust deed investments made through ZINC Financial are not guaranteed or insured. All investments have risks and ZINC Financial cannot guarantee that investments will yield dividends or have their full principal returned.

Zinc Financial Inc.


Office Locations

7815 N Palm Avenue, Suite 200, Fresno, California, 93711
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