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Purchase, Refinance, Cash Out & Bridge Loans

Multifamily, Industrial, Retail, Office, Hotels/Motels, Mobile Home Parks, RV Parks, Self Storage, Gas Stations, Parking Facilities and Special Purpose Properties


We do not fund construction loans




LOAN AMOUNTS:  $250K to $5M


INTEREST RATES:  8% to 12%


LOAN TO VALUE (LTV):  up to 65%


POINTS:  1 to 4


LOAN TERM:  12 to 60 months


LOAN POSITION:  1st only

You will typically receive preliminary loan approval, denial, or a request for additional information within 24 to 48 hours. 

Direct private money real estate lender for unbankable loans. Providing fast decisions and then quick execution for loans on multifamily, commercial, industrial
and special purpose properties.

"Life is stressful enough - your loan process should be ZEN"

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A great banking relationship with your client is important and we are here to help you maintain that by obtaining the financing your client needs.


We can help your client when your bank's regulations, requirements, guidelines or timing don't fit your clients situation.

Your banking clients will appreciate our expedited lending timeframes.


We are 100% referral only from



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Russell Hyzen

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DRE Broker #01022829

  • I invest my own money along with my investors in private real estate loans.

  • 30+ years real estate experience including founding, operating and selling a mortgage brokerage company.

After investing my personal funds in real estate loans with several different private money loan brokers since 2017, I decided to start my own private money lending company for many reasons. First, I really enjoy the entire process of helping people accomplish their financial goals. I have also had great success and found it both personally and financially rewarding. Second, over decades I have many colleagues who have invested with me in loans, real estate partnerships and other private companies. I have been approached by more colleagues who would like to invest in private money loans with me. Third, it allows me to actively work on finding the types of loans that appeal to me as a private investor. Since I generate a return on my own invested funds in the loans I am able charge lower points to borrowers, giving me a competitive advantage to attract borrowers.


After graduating from California State University, Northridge with a double major in finance and real estate I went to work for a real estate development company that built about 300 apartment units per year. I then sold commercial real estate before entering the mortgage lending business, working for two mortgage brokerage companies before starting my own. After founding, operating and selling my own mortgage brokerage company I changed course and joined an early stage Internet company as the fifth employee back in 1995. This company, Quote.com, was the first company to provide stock quotes on the Internet. We were funded by legendary venture capitalist, Mike Moritz of Sequoia Capital. Mike and Sequoia invested in Yahoo! a few months earlier and Mike brokered a meeting I was at between Quote.com and Yahoo!, who at the time had only 15 employees.

In 1996 I joined the two co-founders of XOOM.com as their first employee. At XOOM.com we built a community website in the same pier group as GeoCities, The Globe, Tripod, Angelfire, etc. These were the first iterations of social media which would eventually produce companies like MySpace and Facebook. We used our community website to direct market products to our member base and also sold advertising on our high traffic website. We were able to take the company public in December of 1998 and then do a merger which combined XOOM.com, Snap!, NBC.com and other web properties to create NBCi.

After XOOM.com/NBCi I started investing in apartment buildings with colleagues from the first real estate company I worked for after college. I also invested in a several Internet startups, joined some of the boards of directors of these companies and even took an operating role at one of them. After we sold the company at which I was on the board and also had an operating role, I focused on my real estate investing in apartment buildings and started to invest in private money loans.




2710 Crow Canyon Rd #1044

San Ramon, CA  94583


11161 State Rd 70 E, Ste 110-1019

Lakewood Ranch, FL 34202

Email: russell@zenlending.com

Tel:  925-302-6070

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© 2022 by ZEN LENDING.

DRE Broker #01022829

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