Long Term 1-8 I Short Term Vacation


Zenith is our Super Prime, Real Estate Investor program for long-short-term rental properties. Real estate has long been one of the best way to accumulate wealth and we support this investment strategy based on the quality of assets, marketability to debt service, and experience of investor to manage the portfolio.

tailor made for personal and professional investors

    • PURPOSE: Purchase or Refinance of Prized Residential Assets
    • AMOUNT: Loan Amount $750,000 – $5MM (Well Qualified Borrowers)
    • EQUITY: Access Equity $500,000 – $3.5MM
    • TERMS: 30 Year Fixed Rate I 10 Year Interest Only
    • INCOME: No Personal Tax Returns I No Personal Income Testing
    • DSCR: Qualify on Market Rents and Quality of Property
  • RENTAL TYPE: Long Term 1-4 Units I Short Term Vacation Ok
    • PORTFOLIO: No Restrictions on Total Properties Owned
    • TITLE: Held in Qualified Trust or Business Entity

Investor: Residential (1-4 Units)

Real Estate has long been one of the best ways to accumulate wealth and long term leverage is the preferred vehicle by professional investors. ZENITH supports this investment strategy by providing liquidity based on a simple, yet innovative business purpose and the quality of residential asset(s).

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.