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Monday 8am - 7pm Tuesday 8am - 7pm Wednesday 8am - 7pm Thursday 8am - 7pm Friday 8am - 6pm Saturday 12pm - 4pm Sunday 12pm - 4pm

Ziona Lends

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Here for your home & investment financing needs! | Business Only.

08/21/2026

Buy now or wait? 👀🏡

Your monthly payment may not be much different, but waiting could mean paying more for the house. 📈

Let’s compare the numbers for your situation!

📲 DM me “HOME” to get started.

08/18/2026

Okayyy so I usually only do Reels, but I wanted to finally put some of the loan programs I’m working with for my investors and agents on my actual feed.

If you’re an agent working with investors, or you’re an investor yourself — send me the scenario.
The more the experience, the lower the rate 📈

I have some really good options right now for Fix & Flips, Bridge Loans, Purchase Money and Rehab Financing that can make a BIG difference when you’re trying to get a deal closed.

Some of these programs offer:
• Fast closings
• No appraisal options
• No bank statement options
• Up to 85% LTV on select Fix & Flip deals
• Up to 75% LTV on Bridge
• Up to 100% rehab funds on qualifying deals
• Financing up to $5M+ on select programs

And honestly, I’d rather you send me the deal and let me tell you if we can make it work than have you count yourself out before we even look at it.

Agents — send me your investor clients.
Investors — send me your next property.
Any interest in investing — if you’re curious about buying something that needs work, let’s talk.

I’m always looking for ways to get creative and find the right financing for the deal.

So… who has a deal they’re working on?
DM me. Let’s see what we can do

08/13/2026

Bought my first home and learned A LOT along the way 🏡

Here are 9 things I wish I knew before becoming a homeowner:

1️⃣ It doesn’t have to be your forever home
2️⃣ Don’t rush the improvements
3️⃣ Never underestimate what a little paint can do
4️⃣ Your mortgage payment gets easier over time
5️⃣ There’s no such thing as a perfect house
6️⃣ Get to know your neighbors
7️⃣ It’s okay to sell if life changes
8️⃣ Don’t over-improve for the neighborhood
9️⃣ If you can afford it, don’t wait forever to buy

Your first home doesn’t have to be perfect—it just has to be a start. 🔑
Let’s set up your personalized game plan to become a homeowner!

08/13/2026

$150/week doesn’t sound like much.

But when two people do it consistently, it can become the foundation for your first property — and potentially your entire real estate portfolio.

Stop thinking about getting rich overnight.

Start thinking about buying your first asset. 🏡📈

08/10/2026

I’m your numbers girl 🤓🏦

on IG.

💰 5% down instead of 20% on a $650K home = ~$97,500 still in your pocket at closing

PMI runs roughly $200-$360/mo. Some buyers put that saved cash toward high-ROI renovations instead.

Once you reach 20% equity - through paydown, appreciation, or improvements - you can request PMI removal. Subject to appraisal and lender approval.

If approved, keep paying that same amount — now toward principal. This can shorten your loan term and reduce total interest paid.

This is exactly the kind of strategy conversation I have with buyers every week.

Not sure if this move makes sense for your situation? That’s what I’m here for — drop a comment or DM me “STRATEGY” and let’s talk through your numbers. 👇

For illustration only — not a loan estimate or guarantee.
PMI removal subject to lender approval, appraisal & investor guidelines.

07/31/2026

99% of rental properties look like investments. Most are actually debt traps.

Before you buy any rental, ask yourself one question:

“Will this property pay me… or will I end up paying for it?”

The best investors don’t buy based on emotion—they buy based on the numbers.

Here’s how to quickly tell if a rental has cash flow potential before you waste time chasing the wrong deal.

Buying rentals is still one of the fastest ways to build wealth—but only if you know how to spot the winners.

Want my full deal analysis checklist and the exact formula I use to find profitable rentals?

Dm “DEAL” and I’ll send it to you.

Save this post so you don’t make a six-figure mistake.

07/27/2026

Everybody talks about getting the house…
Nobody talks about being financially prepared for the payment.

If homeownership is one of your goals, let’s make sure you’re ready for both.

DM me “READY” and we’ll come up with a solid plan based on where you are today.

07/26/2026

Natural habitat 💗 nationwide loan officer, DM me let’s get you pre approved

07/25/2026

Friendly reminder: Your first home doesn’t have to be your dream home. 🏡

The smartest move isn’t always waiting—it’s getting started. Building equity today can create opportunities for tomorrow.

If you’ve been wondering whether buying now makes sense for your situation, send me a DM with the word “START” and I’ll help you map out your options. No pressure, just real information.

Address

All Of
Los Angeles, CA

Opening Hours

Monday	8am - 7pm
Tuesday	8am - 7pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	8am - 6pm
Saturday	12pm - 4pm
Sunday	12pm - 4pm

Telephone

+15622459991

Website

http://www.barrettfinancial.com/zmontes

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