Zenith

Residental Investment (1-4 Units)

Tailor-made to Meet Your investment Needs.

Building the wealth effect one rentable door at a time. ZENITH is a true investor product with rates closer to prime than hard money. Built to accommodate the needs of the mass affluent and high net worth in the purchase or refinance of residential investments (1-4 units).

tailor made for personal and professional investors

  • Purchase or Refinance
  • Loan Amounts to $3,000,000
  • 80% Purchase I 80% Refinance & Cash Out
  • Fixed Amortization Options
  • 10 Year Interest Only Option – No rate or pricing adjustments
  • No Limit on Financed Properties
  • Non-Warrantable Condos
  • Credit I Housing Events – 36 Months
  • Business Purpose Loan(s) – Non TRID
  • Title can be held in qualified trust or entity

Investor: Residential (1-4 Units)

Real estate has been one of the best ways to accumulate wealth and leverage is one of the greatest advantages used by real estate investors.

ZENITH supports their risk-taking spirit by providing liquidity and credit options based on a simple, innovative business purpose and the quality of residential asset(s).

  • NINA – No Income No Asset
  • DSCR – Not Required
  • No Tax Returns
  • No Reserves Option
  • Permanent I Non-Permanent Resident Alien

Business purpose loans

A business purpose loan is a loan made specifically for business purposes and not a consumer purpose. Business purpose loans are not subject to TRID. Business purpose loans are typically made to seasoned real-estate investors, who use Non-Owner-Occupied Residential properties (up to 4-units) for collateral. Business purpose loans are qualified on the Rents (cash flow) of the property considering the property’s Debt Coverage Ratio or DCR. Typically, the mortgage payment on the property will be covered by the rent received (DCR=1.00).

Best and Final Pricing A Private Client Pricing Model.

All our programs are presented as a “Best and Final” offering. We always trade on the side of our client and our “Best and Final” pricing allows us to be customer centric. We take a Private Client approach to our Best and Final offerings to respect all of our clients in a manner that is not traditionally respected in the credit industry.

How can we ever claim to be client centric if we allow one client to out negotiate another client, therefore we have no respect for any of our clients. Our ‘Best and Final’ approach simplifies the terms offered and takes the complexity and stress out of the point of sale.