Frequently Asked Questions
Straight answers. Real clarity.
From loan timelines to investor eligibility and how Zookey IQ personalizes your experience, here's what borrowers, investors, and partners ask us most — with clear, direct answers.
General FAQs
Where do you operate?
We focus on selected states and metros with strong market fundamentals. Contact us to confirm availability in your area.
How do I start?
Borrowers can request a loan quote online or through Zookey IQ. Investors can request a PPM after completing accredited investor verification.
Borrower FAQs
How fast can you close a loan?
With complete documentation and engaged third parties, we can close in as little as 15–21 days, depending on property type, documentation readiness, and third-party timelines.
What types of properties do you finance?
We focus on income-producing properties including multifamily, industrial, mixed-use, select commercial, and certain 1–4 unit investment properties.
Do you finance owner-occupied properties?
No. Our lending programs are for investment and commercial properties only.
Do you offer financing for renovation budgets?
Yes. Approved renovation budgets can be financed via progress draws tied to documented work completion.
Investor FAQs
Who can invest with you?
Our investment offerings are open to accredited investors (and in some cases qualified purchasers) per SEC guidelines.
Are investment returns guaranteed, and is my principal protected?
No. All returns are targeted, not guaranteed. Investments carry risk, including the potential loss of principal.
What is the minimum investment?
Minimums vary by offering and are detailed in the Private Placement Memorandum (PPM) for each opportunity.
Do you offer liquidity?
Liquidity depends on the product. Pooled funds may have quarterly redemption windows; direct deals are generally held to maturity.
Institutional & Partner FAQs
Do you offer separate account mandates?
Yes. We design separate accounts and sleeves with custom risk parameters, concentration limits, and pacing.
Do you provide audited financials?
Yes. We produce annual audited financial statements along with monthly performance reports.
Can institutional mandates use tokenized vaults?
For qualified investors, certain mandates can be accessed via tokenized vault structures with full off-chain legal enforceability.
Zookey IQ FAQs
What is Zookey IQ?
Zookey IQ is your AI assistant that manages projects, estimates costs, and matches you with the right lenders. Zookey uses LiDAR scanning, analyzes data from 23 sources, and has been trained on 2,847 successful projects to provide accurate insights in under 10 minutes.
How does Zookey help borrowers?
Zookey transforms your iPhone into a construction-grade scanner, calculates ARV with 95% accuracy, runs 100+ exit scenarios, and pre-underwrites your deal in 10 minutes. Zookey tracks your project history and identifies risks before you commit capital.
How does Zookey help investors?
Zookey analyzes MLS data and market trends to identify opportunities matching your criteria. When a loan payoff approaches, Zookey recommends reinvestment options 30 days before maturity, matching your exact yield and duration preferences with institutional-grade due diligence.
Is Zookey secure?
Yes. Zookey uses military-grade encryption, secure cloud infrastructure, and has been battle-tested on $2B+ in transactions. Zookey only routes inquiries to authorized team members and maintains complete audit trails.
Still Have Questions?
Our team is ready to provide the answers you need to move forward with confidence.