FAQs
Questions Investors Ask
Straight answers about financing options, qualification factors, documentation, timelines, and what to expect.
General
About Zion Noah Capital
What is Zion Noah Capital?
Zion Noah Capital is a real estate investor financing brokerage, a brand of Zion Noah Enterprises LLC. We are not a direct lender: we compare your deal against programs from participating lenders and financing sources, help you choose a structure, and coordinate the file through closing. Each lender makes its own underwriting and approval decision.
How do you help investors prepare for lender review?
We review the deal before a lender does. That means checking your numbers (price, rehab, rent, value and requested loan amount), the financing request itself, your experience, liquidity and reserves, and whether your exit holds up. We flag what's missing for a lender-ready file, such as a scope of work, rent roll, entity documents or bank statements, and help you organize it so underwriters aren't sending repeated condition requests.
Which states do you serve?
Serving real estate investors nationwide, subject to state requirements and lender program availability. Tell us the property location so we can confirm whether an eligible lender program is available for your transaction. Applicable state requirements, property type and current lender guidelines matter. A state in a form selector is not a representation that we offer financing there.
Do you work with primary residences?
No. We arrange business-purpose financing for investment properties: rentals, flips, bridge, construction, multifamily, commercial and portfolio loans, among others. Owner-occupied home purchases and refinances fall under consumer mortgage rules and are outside what we do.
Qualifying
Will a lender finance my deal?
What credit score do I need?
There's no single minimum across investor programs. DSCR (debt service coverage ratio) and fix & flip programs use lender-specific credit thresholds, and higher scores may support more leverage or better pricing. Some bridge and asset-based programs weigh the property and your liquidity more heavily than the score. Recent late payments, bankruptcies and foreclosures each carry their own lender-specific waiting periods.
What are typical rates and costs?
Rates, fees, payment structures and prepayment terms depend on the selected lender, product and complete file. Credit, leverage, cash flow, experience and property details can affect pricing. Obtain a current transaction-specific quote and review brokerage, lender and third-party costs before proceeding; no website figure is a rate lock or commitment.
Do I need to show tax returns or W-2s?
Not always. DSCR loans qualify on the property's rent, and fix & flip and bridge loans focus on the deal, your liquidity and your experience, so personal tax returns often aren't required. Lenders still pull credit and verify assets with bank statements. Some HELOC, commercial and line-of-credit programs do require tax returns or business financials.
Can my LLC be the borrower?
Entity eligibility, ownership documents and any personal guarantee requirements depend on the lender and program. Tell us how the property is held so the requirements can be confirmed. ZNC does not form entities or provide legal or tax advice.
Do you finance foreign nationals?
Residency and citizenship requirements are program-specific. Share your status so we can determine whether an eligible option is available and what identity, credit, asset and ownership documentation is required. No residency-based eligibility is implied.
I'm a first-time investor. Will anyone lend to me?
New investors can submit a scenario for review. Eligibility depends on the selected lender's experience requirements, property, credit, liquidity, contractor or team, and proposed structure. No first-time-investor eligibility is implied. The planned New Investor Program focuses on education and financing readiness; enrollment is not open, and interest is not admission or loan approval.
Process
How this works
How fast can you close?
Closing time depends on the product and the lender's review of a complete file. Bridge and fix & flip loans may move faster than permanent financing; DSCR loans require rental and valuation review, while construction, multifamily and commercial loans can need additional plans, reports or operating records. We confirm a transaction-specific schedule with the lender rather than promise a universal number of days.
What do you need from me to start?
The property location and type, the purchase price or current value, your requested loan amount, rehab budget or rent if relevant, your timeline, and your plan: hold, flip or refinance. Scope My Deal collects these in about 3 minutes, with no documents, Social Security number or credit pull.
What's the difference between Scope My Deal and Submit My Deal?
Scope My Deal is a short set of questions (about 3 minutes) that gives you an immediate preliminary assessment based on the numbers you provide, with no credit pull and no documents. It is not a loan approval or offer. Submit My Deal is the full application, with property details, guarantor information and experience, that we use to screen specific lender programs and prepare a lender submission. Many investors scope first, then submit when they have a property.
What happens after I submit my deal?
A specialist will review your submission and follow up with questions and next steps. Review and response times depend on the request and available information. For time-sensitive matters, contact us directly. We review potential programs for the product, property and borrower profile. With your authorization, we help prepare a lender submission; the lender performs its own underwriting and determines eligibility, terms and approval.
Still have a question?
Share your question or investment scenario for specialist review and follow-up. For time-sensitive requests, contact us directly.