ZINC Financial, Inc.
Your Leading Source for Investor Rehab Money

House Flipping Loans
Why ZINC - Investment Hard Money Lending
Private Money Lender


ZINC Financial is a leading private money lender in the house flipping industry. ZINC funds house flipping loans daily throughout multiple states.

But why use ZINC for your investor rehab funding? Isn't it expensive? That all depends on your structure. Below are four true stories from our clients. We've changed the names and loan amounts for our clients' privacy. Perhaps after looking at these stories you'll see some of the benefits of using ZINC Investor Rehab financing.

David Gonzalez lives in Sacramento and holds a valid contractor's license. He currently has about $200,000 liquid cash. He uses this money to buy distressed REO properties, rehab them, and then resell them for a nice profit. He pays cash for the REO, spends approximately $25,000 on rehab repair work, and sells each house to net approximately $30-40,000 per deal. It takes David 45 days to rehab each project, and it also takes David about another 3-4 months to list, market, and close escrow on the sale before realizing his profit. Because David only has $200,000 to work with, this limits David to about two deals per year, netting David approximately $60-80,000 per year in income.

$200,000 equals $60-80,000 per year NOI, or 36% cash-on-cash ROI.

Pete Grover lives in San Diego, and he is in the title and escrow business. Pete rehabbed and sold multiple SFR properties in the 80s and was very successful. A physician friend told Pete he would partner with him up to $500,000 in cash investments in exchange for 50% of the profits. Because of Pete's cash constraints, he only had $200,000 available at the time. Pete had to match investor cash by 40%, where the investor contributes 60% of the total project cost with Pete contributing the other 40%. Pete thought this was a fantastic idea, and purchased three homes at different times of the year in the San Diego County area, two short sales and one REO. Pete spent $47,000 rehabbing the first, which later proved to be too much, and netted $37,000 after the sale. On the next two deals, Pete spent $24,000 and $33,500 in rehab costs and quickly sold them for a $57,000 and $77,000 profit, netting $171,000 for the year, or $85,500 for the physician friend and $85,500 for Pete.

$200,000 equals $85,500 per year NOI, or 42.7 % cash-on-cash ROI.

John Lewis, who is a very astute real estate investor, has been involved in real estate investments for 20 years. John called ZINC about their Investor Rehab loan, and was at first surprised at the rate and fees. He insisted that Wells Fargo is substantially less. John proceeded with Wells Fargo and used them for the next two years. John has $200,000 liquid cash in his company. Wells Fargo requires 20% down on his investment properties and takes about 90 days to see each loan through. In addition, two of John's deals were not funded because of property condition, and John did not learn of this until 70 days into the loan submission. John ended up closing only two deals the next year, both in Orange County. The first deal netted $57,000 and the second netted $61,500, for a total annual net of $118,500.

John was very successful, but the slow pace and lack of commitment from a conventional lender hampered his ability to move quickly and close deals. Furthermore, John was losing out on about 50% of his offers, because he could not close fast enough.

$200,000 equals $118,500 per year NOI, or 39.5% cash-on-cash ROI.

Tim Wilson, or Timmy as he likes to be called, has $150,000. Timmy has three sets of apartments, and has owned various other rental properties in his lifetime, mostly single-family homes. Timmy found a REO from Chase Bank and put in an offer for $95,000, but Chase would only accept it if he had a prequalification letter, which ZINC provided to him within three hours of his request. Timmy then opened escrow, and immediately deposited $20,000 as an earnest deposit.

He applied online with ZINC, sent in the required submission form and accompanying documents, and was approved later that same day. ZINC performed some additional due diligence and closed the deal with Timmy in eight days, also funding his rehab expenses.

Although ZINC charges more than the conventional lender and costs more than using his own cash, Timmy was able to better leverage his money with ZINC's financing to get the deal closed. Timmy rehabbed the property in Fresno for $27,300 and sold it to a first-time homeowner for a profit of $42,300, all in less than four months. Then Timmy went out and purchased five more properties, all REO (and one short sale), placing ZINC rehab loans on each one and closing each purchase in less than two weeks.

Timmy resold all of the rehabbed properties and netted $42,300, $23,000, $37,000, $34,000, and $41,000 respectively. He was able complete multiple deals at once because he was leveraging his own money with ZINC's capital creating exponential funding possibilities, all with quick, simple closings.

$150,000 equals $177,300 per year NOI, or 118% cash-on-cash ROI, or a 97% net ROI after ZINC's fees.

Cash Only36% Cash on Cash R.O.I
Cash and Investors sharing profits42.7% Cash on Cash R.O.I
Conventional Lenders with low rates39.5% Cash on Cash R.O.I.
ZINC Investor Rehab Financing97%, net of fees, Cash on Cash R.O.I

Call ZINC today and ask about ZINC Investor Rehab Financing.

(559) 326-2509


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