2022 saw constant volatility in the stock market, rising interest rates, political unrest, and the start of the war in Ukraine. Despite all of this, the ZINC Income Fund remained a reliable investment option delivering an 8.24% cash on cash return.
For fourth quarter, the fund delivered an 8.22% annualized yield while maintaining its strict borrower profile. The fund remains well diversified with 91 loans, 75 of those in California, an average loan size of $289,000, a 62.13% average loan to after repaired value and an average borrower FICO score of 712.
Overall, the fund continues to deliver for investors. Since Inception, the fund has provided over $57 million across 212 loans distributing an annualized return of 8.13%.

The ZINC Income Fund adheres to a strict strategy focused on delivering cash distributions, preserving principal and mitigating investment risk. The fund strategy includes:

  • Provide short term loans up to 12 months in a niche real estate market
  • Target prime borrowers with an average FICO score of 700
  • Require loan to after repaired value no higher than 70%
  • Spread risk across multiple loans, with no one loan being more than 3% of the fund’s capital
  • Service loans in house to ensure timely monthly installments and re-payment of debt

Interested in learning how you can start earning an attractive risk adjusted 8% yield from the ZINC Income Fund? Click here to request the offering documents for the fund.