ZINC Financial Inc.
Fresno, California
CA DRE Lic. 01960640, CFL Lic. 6073431
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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
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
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
yesWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
3Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
5Maximum After Repair Value
75.00%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
$2,500
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
ZINC Financial Inc. Testimonials
Omar Darwish (Borrower)
"Only company I’ll do business with. Warren was a huge help from day one. Definitely recommend zinc Financial for all your hard money fix and flips!!"
Michael Maza (Borrower)
"Robert Cervantes was a pleasure to work with. He was helpful and understanding of my situation all the way through the processing of the loan. He is very responsive, professional and was able to clarify anything that I was concerned about during the process. I'll look forward to working with Robert and would definitely recommend everybody who is looking for a loan to work with him."
Jose Largaespada (Borrower)
"Working with ZINC Financial was amazing. From start to finish my Loan Rep. Robert Cervantes continually gave me his undevided attention and professional service. He found away to make this process painless. Thank you Robert and your team of professional's for making this transaction a breeze. Can't wait to close my next purchase with ZINC Financial."
Jeffery Windham
"Working with Robert has been a good experience for me he was patient and showing me exactly what bank financial is looking for in an investor and how we can build our relationship together and our future so kudos to Robert and it's hard work and closing our last two deals."
Team AFL
"ZINC is very easy to work with and really makes the lending process seamless. We love sending our Fix & Flip business to ZINC!"
Nicole Wilkinson
"I have had an amazing experience with ZINC! From the beginning everyone has been extremely kind, helpful and patient. Carlos Flores and Robert Cervantes are the best people to work with, they have gone out of their way to help me from the application process, random questions, all the way to recommending contractors and explaining the process with city permits in order to get the rehab up and running! Robert has also given me great insights to flipping homes and ideas for after the home is fully renovated. You won't find people like that anywhere! Zinc has the best caring people in the business. Would recommend 100%."
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Office Locations
ZINC Financial, Inc.1525 E. Shaw Ave., Fresno, California 93710
Our Team
Todd Pigott
President
CA DRE Broker Lic. - 01742641
John Evangelista
Chief Financial Officer
Jack Achey
Control Fund Manager
Get In Touch
Stay Informed About Private Lending
Our Minimum Loan Amount Is
$50,000
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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