Direct Lender for Residential Rehab Projects

Residential Fix & Flip | Residential Rehab | Bridge | Cash-Out Refinance

ZINC Financial, established in 2007, is a direct lender providing financing for experienced investors who acquire and rehab properties for investment purposes. When you work with ZINC Financial, you benefit from quick decisions, fast turnarounds, and the comfort of knowing you are working with a reputable direct lender.

  • Borrower Must Have Decent Credit
  • Experienced Investors Only
  • Minimum 10% Cash Down Payment Required
  • Light Rehab Projects only – $80,000 Max Budget
  • NO Owner-Occupied Homes
  • NO Ground-Up Construction
  • NO Land
Property Geographic Area Details
We lend in 10 states: AZ, CA, CO, IN, MI, NM, OH, TN, TX, WA
Loan Amounts
$50,000 to $2,000,000
Interest Rates
7.49% to 10.5%
Loan Terms
9 months to 12 months
Origination Fees
1.5% to 1.75%
Lien Position
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 90%
Max LTP Multifamily: 90%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Multifamily
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

  • Residential Fix and Flip
  • Residential Rehab and Rent
Borrower must contribute at least 10% cash toward the purchase price

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
  • Partner
  • Equity in Another Investment Property
We only consider small rehab projects with a maximum budget of $80,000

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw


Maximum After Repair Value


Underwriting Fee

Underwriting/processing fee paid at closing

Escrow Fee

3rd Party Fee

Title Fee

3rd Party Fee

Appraisal Fee

Exterior appraisal with AS IS and ARV.

Renovation Construction Draw Fee

Site inspections $150

Minimum Origination Fee Amount


Fees which are mandatory for all new borrower clients

  • Appraisal Fee
  • Extension Fee
  • Renovation or Construction Funds Draw Fee

Fees which are paid to a third party company

  • Appraisal Fee
  • Inspection Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Joint Venture in California only, 3-5 previous completed projects required.
Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Self-Directed IRA
Documentation Required
  • Bank Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Credit Check Description

We only lend to real estate investors with good credit history

Appraisal Required for Residential Property


Broker Price Opinion (BPO) Accepted for Residential Property


ZINC Financial Inc. Testimonials

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ZINC Financial Inc. 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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ZINC Financial Headquarters - Fresno, CA
Headquartered in Fresno, California, ZINC Financial, Inc. is one of Central California’s largest and oldest Private Money Lenders. We specialize in Residential Fix & Flip, Residential Rehab, and Cash Out Refinance loans. We help investors leverage their capital to acquire and rehab properties for investment purposes.
We are a direct lender, so all decisions are made quickly and in-house. We understand that our investors can’t wait for conventional financing and must close their rehab loans quickly. Our quick turnarounds allow our investors to realize faster profits. We will work hard to fund your loan in as little as seven days.
By working with ZINC Financial, you have a powerful ally and partner on your side. With our common sense underwriting, you can have the confidence and security that comes with knowing the status of your loan in real time. If you’re ready to learn more about our customizable loan options, don’t hesitate to call us at (559) 326-2509 or apply online.

CA DRE Lic. 01960640, CFL Lic. 6073431

Company Size (Number of Employees)


Year Established


Office Locations

ZINC Financial, Inc.
1525 E. Shaw Ave., Fresno, California 93710

Primary Capital Source
  • Own Funds
  • Individual Investors
  • Family Offices
  • Friends & Family
Alternative Capital Sources
  • Bank Credit Line
Loan Structure for Majority of Loans
  • One Investor One Loan
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Our Team

Todd Pigott


CA DRE Broker Lic. - 01742641

John Evangelista

Chief Financial Officer

Jack Achey

Control Fund Manager

Get In Touch

ZINC Financial Inc. 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


What We Do

  • Residential & Small Multifamily Properties
  • 10% Cash Required for Flip Purchase
  • Light Rehab Projects - Budgets under $80K
  • Experience Requred for Rehab Projects
  • Good Credit History Required

Not Available

  • NO 100% Financing
  • NO Junior Liens or Gap Funding
  • NO Construction or Heavy Rehabs
  • NO Land Loans
  • NO Owner-Occupied Homes

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