Loan Programs FAQ

About ZINC?

With over $1 billion funded and over 500 Flips; The team at ZINC stands among California’s largest private lenders for residential real estate investors. Leveraging data and technology, ZINC delivers a faster, more reliable path to its own capital, as a true balance sheet lender, so investors can scale with confidence. The family of ZINC entities is strategically aligned and focused on revitalizing California’s aging $1.8 billion housing stock—creating move-in-ready homes and quality rentals throughout our state.

ZINC delivers competitive terms, a fast tech-driven experience, and seasoned industry support. Powered by people right here in Central California, data, and innovative financing programs, we help you make smarter decisions, close deals faster, and unlock the full potential of your investment strategy.

Unlike conventional bank loans, private or hard money loans are driven primarily by the value of the property serving as collateral—not just your personal financial profile. While rates are higher, these loans appeal to real estate investors because they close quickly, offer flexible terms, and can be paid off early to reduce costs and accelerate growth without prepayment penalties.

Key advantages include:

  • Rapid access to capital and fast closing timelines
  • Flexible structures with varied repayment options and terms
  • Financing up to 100% of the project and 100% of the rehab based on property value and renovation scope
  • The more you work with ZINC, the more perks you can unlock—such as reduced origination fees, lower rates, and additional borrower benefits.

Start by applying online. If approved, you'll receive your personalized term sheet within minutes. Just answer a few quick questions about your experience and the property you’re looking to purchase or finance, and we’ll generate a customized estimated term sheet so you can select the best loan option. While we don’t issue formal pre-approvals, you will receive a pre-qualification term sheet once your application is submitted, with an expected closing within 7-10 days after we have all deliverables from 3rd parties and the borrower.

No, with the exception of any 3rd party related items specific to your loan like an appraisal, or feasibility study.

Typically, loans within our ZINC COMMUNITY, comprising 11+ counties across central California, do not require appraisals. Appraisal requirements vary depending on your financing needs within other geographical regions.

We’re committed to full transparency, and all fees are collected at closing. There’s no application fee, and your origination fee is simply based on the final loan amount and is clearly outlined on your term sheet.

No. We lend to business entities and individuals

ZINC provides single-asset bridge and rental loans for single-family homes, 2–4-unit properties, permanent foundation manufactured homes, and PUDs (attached or detached). Currently, we do not lend on mixed-use, commercial, mobile homes, properties with non-conforming neighborhoods, or rural/agricultural properties

ZINC offers both bridge and rental loans for purchases or refinances. A bridge loan is a short-term option for investors who want to finance the purchase and/or renovation of a property instead of paying cash or using a traditional bank loan. These loans are ideal for fix-and- flip projects or for properties that will later be refinanced into a rental loan. A rental loan is designed for buy-and-hold investors purchasing turn-key, livable properties to generate passive income.

Yes, Yes, and Yes.

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