Press release.

PCMA unveils ZENITH, A Residential Investor Product For The Mass Affluent and High Net Worth

jason jepson - March 9, 2020

Aliso Viejo, CA – March 10th, 2020 — PCMA, the pioneer and category leader in Non-Bank Private Client Lending, announced the expansion of the Private Client Collective with the debut of ZENITH, a market leading residential investor program for the mass affluent and high net worth in the purchase or refinance of residential investments units; building the wealth effect one rentable door at a time.

“The success of our OMEGA program for primary residential assets has far exceeded our internal expectations and highlighted the need for more credit products to be created for the Private Client community,” said John R. Lynch. “We understand the needs of complex and sophisticated estates. ZENITH was developed to serve the liquidity needs for Private Client’s in the acquisition and management of residential investment assets as part of our clients financial portfolios.”

ZENITH currently features the following options:

  • Loan Amounts up to $3 Million+
  • 80% Purchase I 80% Cash Out
  • Fixed Rates That Compete with Money Center Banks
  • Interest Only for Reduced Debt Service and Increased Cash Flow
  • Private Party, LLC Ownership, Professional Investors
  • No Limit on Financed Properties
  • Non-Warrantable Condos
  • Title can be held in a qualifying trust or other entity

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 risk-taking spirit by providing liquidity and credit options based on a simple, innovative business purpose and the quality of residential asset(s).

  • NINA – No Income No Asset
  • DSCR – Not Required
  • No Tax Returns Required
  • Reserves Not Required
  • Permanent & Non-Permanent Resident Alien

“We recognize that our clients are significantly weighted with residential assets in their investment portfolios. We will continue to innovate financial leverage to meet the expanding needs of our clients and sophisticated investors with a conservative, long term outlook,” said Lynch.

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