Press release.

PCMA Announces ZENITH 2.0, Investor Product For The Mass Affluent and High Net Worth

jason jepson - August 3, 2020

Irvine, CA – August 4th, 2020 — PCMA, the pioneer and category leader in Non-Bank Private Client Lending, announced the relaunch of its popular ZENITH program. ZENITH 2.0, is the second lending product created by PCMA for the needs of the mass affluent and high net worth in the purchase or refinance of residential investments units.

“The creation of the ZENITH 2.0 program addresses an overlooked category in the Private Client residential finance space,” said John R. Lynch, CEO and founder of PCMA. “ZENITH 2.0 Guidelines are at ‘Pre-Covid’ levels and with a new and improved 3-tiered pricing matrix that is exclusive to PCMA, allowing clients the flexibility to choose the loan features they want, simply and with total transparency.”

ZENITH 2.0 features the following options:

  • Loan Amounts up to $3 Million+
  • 80% Purchase I 80% Cash Out
  • Starting at 4.99%
  • 30 Year Fixed Rate
  • 10 Year Interest Only
  • 10+ Properties, LLC Ownership, Professional Investors
  • No Limit on Financed Properties
  • Non-Warrantable Condos
  • Credit and Housing Events – 36 Months
  • Title can be held in a qualifying trust or other entity

“When the shelter in place orders were enacted it wreaked havoc on our credit markets and the easy decision to make would have been to shift our firm 100% to Agency production where the easy money is at the present,” said Lynch.  “However, my career has taught me not to trust volatility that comes with the Agency market if you want to build a long-term company. It has not been very popular to stay the course these past five months;  serving the Mass Affluent and High Net Worth when wall street capital is frozen out to this market segment and the depository banks have all but pulled  back on their Jumbo programs. In spite of the turmoil, we stayed the course and our dedication to this trillion-dollar market segment is being rewarded and the latest evolution of ZENITH. 2.0 is the culmination of those efforts.”

Real estate has been one of the best ways to accumulate wealth and leverage is one of the greatest advantages used by real estate investors. ZENITH supports their prudent leverage needs by providing liquidity and credit options based on a simple, innovative business purpose program designed exclusively for high quality investments in residential asset(s).

  • NINA – No Income No Asset
  • DSCR – qualifies off the cash-flow of the subject property
  • No Tax Returns Required
  • Permanent & Non-Permanent Resident Alien

About PCMA

PCMA is the leading non-bank private client lending organization serving the needs of their mass affluent and high net worth clientele. PCMA offers qualified individuals and institutions bespoke lending solutions across all major residential asset classes. PCMA is a diversified financial enterprise offering private client solutions through a direct and indirect to consumer business model. PCMA strives to build trusting and enduring relationships by putting clients and professional partners at the center of all they do. PCMA is headquartered in Orange County, CA. Additional information is available at