Fix & Flip
Rates from 8.90%
90%LTC
100%Rehab
75%ARV
- 12–24 month interest-only terms
- No prepayment penalty
- 24-hour closings and draws
How it works
From first email to funding in about a week.
Send your deal
Share the address, price, rehab budget and FICO by email, phone or the form below. Soft credit pull only.
Get your terms
We shop your scenario across our lending partners and reply with options the same day.
Close and fund
Pick a program, complete underwriting, and close in as little as 5 to 7 days.
Loan programs
Short-term and long-term financing for non-owner-occupied investment properties.
New Construction
Rates from 9.90%
90%LTC
100%Rehab
75%ARV
- 24-hour draws
- Non-Dutch interest
- No experience? Up to 75% LTC / 60% ARV
DSCR Rental
30-year fixed or 5/10 ARM
80%LTV
75%Cash-out
0.8Min DSCR
- Interest-only or amortized
- 660 minimum FICO
- $100K minimum loan
Fix & flip estimator
See roughly how much you could borrow on a flip at our top leverage.
Estimated max loan
$330,000
- Purchase financed (90%)
- $270,000
- Rehab financed (100%)
- $60,000
- Your down payment
- $30,000
- Loan as % of ARV
- 66%
Within the 75% of ARV limit.
Estimate only, before closing costs and fees. Final terms depend on credit, experience, property and lender.
Who we lend to
First-time and experienced investors alike.
640+ FICO, soft credit pull
Non-owner-occupied properties
First-time investors welcome
Foreign nationals welcome
Available in all states*
*Some limitations apply. FICO below 660 is subject to prepaid interest. Terms vary by lender, borrower and location.
Why investors work with ZoneLO
Speed
Same-day quotes, closings in 5 to 7 days, and 24-hour rehab draws keep your projects moving.
Leverage
Up to 90% of purchase and 100% of rehab, so more of your cash stays available for the next deal.
Options
As a broker, we compare programs from a network of lenders instead of fitting you into a single product.
One contact
You work directly with Kate from quote to closing, with no call centers or hand-offs.
Common questions
How fast can I close?
Most loans close in 5 to 7 days once we have your documents. Fix and flip loans can close in as little as 24 hours when the file is ready.
Do I need real estate experience?
No. First-time investors are welcome. On new construction without prior experience, leverage is up to 75% of cost and 60% of ARV.
Will getting a quote affect my credit?
No. We use a soft credit pull to quote, which does not affect your score.
What is a DSCR loan?
A rental loan that qualifies on the property's rental income instead of your personal income. DSCR compares rent to the monthly payment; we can go as low as 0.8.
Can I live in the property?
No. These programs are for non-owner-occupied investment properties only.
Are you a direct lender?
ZoneLO Capital is a broker. We arrange financing through a network of lending partners, which lets us compare programs for your deal.
Have a deal? Get a quick quote.
Email or call with four details and we'll reply the same day.
- 01Property address
- 02Purchase price
- 03Rehab budget
- 04Your FICO score