Fourth Quarter 2022 Performance - ZINC Income Fund

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.

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