Debt Service Coverage Borrowers


Investment Property Mortgage Loan Options

  • Debt Service Coverage Loan (DSCR): Investors can qualify based on the monthly rental cash flow of the subject property. Current or projected rental income for the subject property is evaluated to determine loan eligibility. DSCR down to 0.75, it’s that simple.
  • Mixed Use Investor Loan: Designed specifically for investors with multi-unit and mixed-use properties. Of which, GLA must minimum 51% residential and minimum 51% of the income comes from residential unit(s).
  • Multi-Family Loan: Multifamily (1 to 8 units) purchase loans based on the projected rental income.
  • Vacation Rental: If you’re investing in a vacation rental property — you’ve come to the right place, we can finance those too.
  • Blanket/Portfolio: We also do blanket/portfolio loans.
  • Bridge Loan: If you’re a flipper in the business of buying distressed properties, rehabilitating them and reselling them for a profit, we are one of the largest in the nation and can fund your loan in as little as 7 days.

General Guidelines

  • Non-Owner Occupied Only
  • Purchase, Rehab, Refi Cash Out
  • Up to 85% LTP
  • $50k – $3 Million
  • Single family rental, vacation rental, Multifamily 1-8 units
  • Income Not Verified
  • 660+ FICO Score with exceptions

Submission Documents

  • ZINC Application Packet
  • 2 Months Bank Statements
  • Ten color pictures, inside, outside and street view (or color appraisal if available)
  • Purchase Contract (if a purchase)

Apply Now


ZINC Financial, Inc. is a leading investment rehab loan lender. We specialize in private money rehab loans, and we help investors leverage their capital to acquire and rehab properties for investment purposes.