Our Approach: Flexible, Not Rigid
Unlike traditional lenders with hard cutoffs, Zeus Commercial Capital evaluates every deal holistically. We maintain relationships with 100+ partner lenders, each with different risk appetites, qualification criteria, and pricing models. This means we can find financing for deals that other brokers might turn away—while still securing the best possible terms for experienced investors with strong profiles.
100+ Lender Network
We shop your deal across our entire network to find the perfect match for your profile and property
Investor-First Underwriting
We're investors ourselves—we understand the deal, not just the paperwork
You Invest, We Do the Rest
Focus on finding deals—let Zeus handle the financing complexity
What Drives the Best Terms?
While we look at all scenarios, three factors consistently unlock the lowest rates, highest leverage, and fastest closings:
Credit Score
Strong credit demonstrates financial responsibility and lowers lender risk.
Liquidity
Cash reserves show you can handle unexpected costs and market shifts.
Experience
Proven track record reduces perceived risk and unlocks premium options.
💡 Pro Tip: Strong performance in 2 out of 3 categories typically qualifies you for premium terms. We'll work with you to highlight your strengths and structure the deal accordingly.
Baseline Requirements (Most Lenders)
While we look at all scenarios, most of our 100+ partner lenders require these baseline criteria:
Borrower Requirements
- •Credit Score: 620+ FICO (680+ preferred)
- •Liquidity: $25K+ in reserves
- •Citizenship: U.S. citizen, permanent resident, or foreign national with U.S. entity
- •Business Purpose: Investment property only (no owner-occupied)
- •Clean Record: No recent foreclosures, bankruptcies, or defaults
Property Requirements
- •Property Type: 1-4 unit residential (SFR, duplex, triplex, fourplex)
- •Condition: Habitable or repairable (no teardowns)
- •Location: Most U.S. markets (some rural exceptions)
- •ARV: Realistic after-repair value supported by comps
- •Exit Strategy: Clear plan to sell or refinance within 12 months
Typical Loan Structure
| Term | Standard Profile | Premium Profile |
|---|---|---|
| Loan-to-Cost (LTC) | 75-85% | 90-95% |
| Loan-to-ARV | 65-70% | 70-75% |
| Rehab Financing | 100% | 100% |
| Interest Rate | 10-12% | 9-11% |
| Term Length | 12 months | 12-18 months |
| Closing Timeline | 14-21 days | 7-14 days |
*Premium profile: 740+ FICO, $100K+ liquidity, 3+ successful flips. Rates and terms vary by lender and market conditions.
What If I Don't Meet These Requirements?
Submit your deal anyway. We look at all scenarios, and our 100+ lender network includes specialists who work with:
Non-Traditional Profiles
- First-time flippers with strong financial backing
- Lower credit scores with compensating factors
- Foreign nationals investing in U.S. real estate
- Unique property types or challenging markets
Creative Structures
- Joint venture partnerships with experienced investors
- Cross-collateralization with existing properties
- Combination of fix-and-flip + HELOC funding
- Seller financing or subject-to arrangements
We're investors ourselves—we get creative when the deal makes sense.
The worst we can say is "not yet"—and we'll tell you exactly what needs to change to get approved.