ZINC Financial
Fresno, California
CA DRE Lic. 01960640, CFL Lic. 6073431
Financing Solutions Designed For Residential Investors
Fix & Flip | Bridge | Cash-Out Refinance | Ground-Up Construction | DSCR
ZINC is a leading lender for real estate investment loans including fix and flip, bridge, DSCR rental and ground-up construction. Since 2006, ZINC has specialized in private money loans that allow investors to leverage their capital to acquire or build investment properties for short or long-term benefits. We utilize our own funds to lend, boasting an 18-year track record of successfully serving real estate investors.
- Non-Owner Occupied Properties Only
- New & Experienced Investors Welcomed
- In-House Servicing
- In-House Fund Control
- Non-Dutch Interest
Property Geographic Area Details
Loan Amounts
Loan Terms
Lien Position
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
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Typical Number of Days for Funds Draw
0Maximum After Repair Value
75%Minimum Loan Amount
$100,000Maximum Loan Amount
$2,000,000Minimum Loan Term
60 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80%Minimum Credit Score
660Will Lend on a Portfolio of Properties
NoMinimum Origination Fee Amount
$2,500
ZINC Financial 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%."
Contact ZINC Financial
Stay Informed About Private Lending
Headquartered in Fresno, California, ZINC Financial is one of Central California’s largest and oldest Private Money Lenders. We specialize in Residential Fix & Flip, Bridge, Cash Out Refinance, DSCR and Ground Up loans. We help investors leverage their capital to acquire, rehab and build properties for investment purposes.
As a direct lender, our loan approval process is focused on quickly underwriting and funding your loan to meet your timeline. We handle the entire process in house from origination to underwriting to funding to servicing. We are with you every step of the way. We will work hard to fund your loan in as little as eight business days.
If you’re ready to learn more about our customizable loan options, call us at (559) 326-2509 or apply online at zincfinancial.com.
Office Locations
ZINC Financial1525 E. Shaw Ave., Fresno, California 93710
Our Team
Todd Pigott
President
CA DRE Broker Lic. - 01742641
John Evangelista
Chief Financial Officer
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Stay Informed About Private Lending
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