Solutions

Private capital,
engineered for speed.

Purpose-built structures for homeowners, operators, and investors who need liquidity without the friction of institutional banking.

Equity Access

Residential Equity Draw

Unlock up to 85% of your property's value in as few as 5 days. Digital appraisal, no invasive walk-throughs, transparent terms.

  • Up to $50M draw
  • 600+ FICO
  • 5–7 day funding
Bridge

Short-Term Bridge Structuring

Close on the next opportunity before the current asset sells. Interest-only structuring with clear exits between 6 and 24 months.

  • 6–24 month terms
  • Interest-only
  • Same-week close
Portfolio

Investor Portfolio Liquidity

Cross-collateralized facilities against 1–4 unit portfolios. Scale acquisitions without stalling on one-off underwriting cycles.

  • Cross-collateral
  • Blanket lines
  • Dedicated advisor
The Process

Four steps from
inquiry to funded.

  1. 01
    Digital Intake

    Submit property, ownership, and target draw in under 3 minutes.

  2. 02
    Desktop Valuation

    AVM plus advisor review — no appraiser, no site visit.

  3. 03
    Term Sheet

    Structured terms delivered same day. Zero obligation.

  4. 04
    Wire

    Funds delivered within 5 to 7 business days of signed docs.

Why It's Different

Two frameworks.
One clear choice.

Legacy Bank
  • 45–90 day close cycles
  • Physical appraisals & site visits
  • Recurring paperwork requests
  • Automated denials with no recourse
  • Rigid FICO & DTI overlays
ZeroPoint
  • 5–7 day funding
  • AVM + advisor desktop valuation
  • One digital intake, no re-asks
  • Human underwriting, transparent decision
  • Common-sense credit floor at 600
5–7 Day Funding

From signed docs to wire.

No Junk Fees

Flat structuring cost, disclosed up front.

Human Underwriting

Real advisor, not a scoring model.

Ready to see your number?

Get a preliminary valuation in under three minutes. No credit pull, no obligation.

Check My Value