Why Loan-to-Value (LTV) Ratio Is the Cornerstone of Every Good Private Money Deal
In private money lending, few metrics matter more than the loan-to-value (LTV) ratio. It’s one of the simplest ways to gauge the risk and reward of a deal — yet it’s also one of the most misunderstood. At its core, LTV measures how much you’re lending compared to the property’s value. If a lender funds […]
Appraisals, After-Repair Value, and Why Precision Matters in Private Lending
In private lending, the numbers matter — but it’s how you get those numbers that truly defines the strength of a deal. At ZINC, one of the most important parts of our lending process is how we evaluate property value — both today’s value and its after-repair value (ARV). While traditional lenders rely heavily on static appraisals, we take a far more comprehensive, hands-on […]