Fix & Flip
Rates from 8.90%
- LTC
- 90%
- Rehab
- 100%
- ARV
- 75%
12–24 month interest-only · no prepay penalty · 24-hour closings and draws
Quick, reliable financing for investment properties.
Fix and flip, bridge, new construction and DSCR rental loans for real estate investors. Send us your deal and get terms the same day.
- 90% financing
- 5–7 day closings
- Same-day quotes
- All states*
Loan programs
Short- and long-term financing for non-owner-occupied investment properties.
New Construction
Rates from 9.90%
- LTC
- 90%
- Rehab
- 100%
- ARV
- 75%
24-hour draws · non-Dutch interest · no experience: 75% LTC / 60% ARV
DSCR Rental
30-year fixed or 5/10 ARM
- LTV
- 80%
- Cash-out
- 75%
- Min DSCR
- 0.8
Interest-only or amortized · 660 min FICO · $100K min loan
Eligibility: 640+ FICO (soft pull) · non-owner occupied · first-time investors and foreign nationals welcome · all states*
*Some limitations apply. FICO below 660 subject to prepaid interest. Terms vary by lender, borrower and location.
How it works
From first email to funding in about a week.
Send your deal
Address, price, rehab budget and FICO. Soft credit pull only.
Get your terms
We compare lending partners and reply the same day.
Close and fund
Close in as little as 5 to 7 days.
Fix & flip estimator
A quick estimate of what you could borrow at our top leverage.
Estimated max loan
$330,000
- Purchase financed
- $270,000
- Rehab financed
- $60,000
- Your down payment
- $30,000
- Loan-to-ARV
- 66%
Within the 75% of ARV limit.
Estimate only, before closing costs. Final terms depend on credit, experience, property and lender.
Hi, I'm Kate.
Kate Zanobini
Owner, Founder & President · ZoneLO Capital LLC · NMLS 1326825
I founded ZoneLO Capital in 2017 to help real estate investors unlock their potential. I've spent more than 15 years in lending, including over 12 years at top fintech, mortgage and private lending companies, where I learned how the best lenders structure, price and close investor loans.
Today I manage ZoneLO's key relationships with residential real estate investors, builders and mortgage brokers, offering consulting and brokerage tailored to each deal. I hold multiple loan origination certifications and state licenses in Nevada and Arizona, and I specialize in fix and flip, bridge and DSCR private money lending. My mission is to build lasting partnerships, pairing every client with the most competitive products across our lending partners so that brokers, their clients and direct borrowers all succeed together.
I studied psychology, with a minor in communications, at the University of Oregon, and I bring that understanding of people to a numbers-driven business. I listen first, explain every option plainly, and stay with you from first quote to closing.
- 2017Founded ZoneLO
- 15+ yearsIn lending
- NV & AZState licensed
- BrokersPartners welcome
For private lenders
Consulting to help lenders grow
I'm an expert in the fix and flip, bridge and DSCR private money space. Alongside brokering loans, I offer fee-based consulting for lenders who want to succeed with both their wholesale (broker) and retail (direct borrower) clients.
Wholesale channel
Build and strengthen broker relationships, so the brokers sending you deals keep coming back.
Retail clients
Improve how you reach, quote and serve investors directly, from first call to closing.
Products & positioning
Shape fix and flip, bridge and DSCR offerings that are competitive and easy to sell.
Common questions
Quick answers for investors.
How fast can I close?
Most loans close in 5 to 7 days once we have your documents.
Do I need experience?
No. First-time investors are welcome. On new construction without experience, leverage is up to 75% of cost and 60% of ARV.
Will a quote affect my credit?
No. We quote with a soft credit pull, which doesn't affect your score.
What is a DSCR loan?
A rental loan that qualifies on the property's rental income instead of your personal income. We can go as low as a 0.8 DSCR.
Are you a direct lender?
ZoneLO Capital is a broker. We arrange financing through a network of lending partners so we can compare options for your deal.
Have a deal? Get a quick quote.
Send the details and we'll reply the same day.