Direct Lender for Residential Rehab Projects

Fix & Flip | Rehab & Hold | Bridge | Rental Cash-Out

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

6.99% to 10.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

2% to 3%

Loan Terms

1 months to 12 months

Lien Position

  • 1st

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%

Property Types and Loan Types

Collateral Types

  • Residential Property

Property Types

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

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent

Purchase Loan

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

Rehab Value Add Loan

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


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

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



Underwriting Fee

$1,100.00 to $1,100.00

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 charged upfront prior to loan closing

  • Appraisal Fee

Fees which are paid to a third party company

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

ZINC Financial, Inc. is a leading investment rehab lender. We specialize in private money rehab loans, and 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.


CA DRE Lic. 01960640, CFL Lic. 6073431

Company Size (Number of Employees)


Year Established


Office Locations

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

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

Alternative Loan Structures

  • Own Balance Sheet

Percentage of company’s lending business focused on private mortgage


Company’s Other Business Activities Besides Private Mortgage Lending

  • Residential Real Estate Investing

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Todd Pigott


License Information
CA DRE Broker Lic. - 01742641

John Evangelista

Chief Financial Officer


Jaime Harlan

Servicing Manager

Tony Gamboa

Business Development

Armando Pecina

Business Development

Chris Oviedo

Business Development

Alexander Osuna

Executive Operations Manager

Jack Achey

Control Fund Manager

Annalisa Esquivel

Underwriting & Processing

Anne Rutherford

Executive Assistant

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

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.


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