Scott Lustig

Scott is CFO at ZeroDown and has spend most of his career working on private equity investments, primarily in financial services businesses, at Endurance Capital, Irving Place Capital/Bear Stearns Merchant Banking. and Fortress Investment Group. Scott's financial services experience encompasses over $5 billion of debt and equity raised or invested in support of dozens of control and non-control equity and credit investments. He is a California Realtor DRE: 02143385.

Latest Posts

Is the Housing Market Slowing?

The housing market has been moving at unprecedented levels for almost two years now - but are there signs that this is changing?

The Top 10 Most Expensive States to Buy a House in 2022

Curious what the most expensive states to buy a home in 2022 are? If you're looking to move and purchase your first home, forever home, or an investment property, knowing what states are expensive versus what states have cheap real estate is vital.

The Top 10 Cheapest States To Buy a House in 2022

Looking for a good deal? These states offer the best home prices around...

How to Calculate Debt to Income Ratio

Lenders use the debt to income ratio a lot - so we recommend you learn what it is and how to calculate it for yourself. Let's get started.

When Is the Worst Time To Buy a Home?

Is there ever a bad time to buy a home? This is something everyone should know...

Lowest and Highest Closing Costs by State

We’ve broken down typical closing costs by state, to give you a sense for how much you’ll really need to have in the bank to be able to fund that dream home of yours! 

How Much Money Do I Need To Buy a Home?

Saving up for your first home but wondering how much you're really going to need?

Fannie Mae National Housing Survey: Affordability Concerns Dampen Sentiment

A survey record-low 25% of respondents reported that it’s a good time to buy a home, according to the Fannie Mae National Housing Survey, but that's not all...

2022 Mortgage Rate Update - What You Need to Know

Everything you need to know about what's going on with rates right now...

Forecast Review 2021: Did Our Predictions Come True?

As we near year's end, let’s review 2021 before we discuss 2022.

Conforming Loan Limits Soar for 2022

Here's everything you need to know about Conforming Loan Limits for 2022...

How to Avoid Buyer's Remorse

One of the worst feelings on planet earth - here's how to avoid it.

A Guide to Mortgage Qualification With Uneven Income

The ZeroDown team's latest advice on mortgage qualification with uneven income...

Which California City Has the Hottest Real Estate Market This Week?

Each week we're looking for a California real estate market that's heating upppp - and this week's one might actually surprise you!

Record Highs: California Homes Selling Above Asking

In the Bay Area, the results are even more extreme relative to the rest of California... with 75-90% of homes selling above asking price.

Weekly Tracker: What to Watch for in Trust-Busting, Taxes & Tapering

Every Thursday we are tracking the three T’s - Trust-Busting, Taxes, and Tapering; biggest risks to the economy and capital markets. 

Construction Loans 101: Everything You Need To Know

Looking to build your dream house or renovating the existing one? Our comprehensive guide on construction loans will break it down for you - from the different types of construction loans, the difference between a construction loan and a home improvement loan, and what types of loan you need.

How to Find a Good School System: Vaccine Edition

As life begins to reopen and restrictions are lifted across the country, we're taking a look at something worth considering for your new move...

The Highest Home Prices in California History: How & Why?!

What's going on with real estate in California as prices soar to historic highs? Let's find out.

The Top 10 Cheapest States To Buy a House in 2021

If you're looking to move and purchase your first home, forever home, or an investment property, knowing which US states are the cheapest to buy a home in is vital...

Minimum Down Payments on Conventional Conforming Loans

Looking into mortgages and wondering what your minimum down payment options are? Our experts break it down, loan by loan.

Amortization: What Is It & How Does it Work?

You may or may not have heard the term 'amortization' before, but what does that mean? Today we're walking you through what it is and how it works...

The Art & Science of Buying & Selling a Home at the Same Time

Wondering what the best way to manage the process of buying a new home while selling your old home is?

Credit Scores: How They Can Affect Your Mortgage Rate

Wondering how your credit score can affect your mortgage rate?

What is an FHA Loan?

You may have heard the term 'FHA loan' before... but what type of loan is it and who is eligible for one?

What First-Time Homebuyer Tax Credits and Programs Are Available?

Taking the first steps in your homebuying journey and wondering what tax credits and programs may be available to you? You're in the right place!

Online Home Search: Going Beyond MLS Data

Arm yourself with the knowledge and resources you'll need to solve the case of finding the perfect home...

The Impact of the Covid-19 Pandemic on Bay Area Real Estate

From changing preferences and prices to migration patterns and interest rates, we're taking a look at the impact of the Covid-19 pandemic on Bay Area real estate.

2020 Migration Patterns in the Bay Area: Did Tech Workers Really Flee?

Was there really a mass exodus? Are people still moving to the Bay Area? And where are the tech workers going?! We're answering these questions and more...

How to Get a Mortgage: A Step-By-Step Guide

Beginning to embark on your hombuying journey and wondering how to get a mortgage? Our experts created this step-by-sep guide for exactly that!

Searching for and Buying a Home in the Bay Area Using a Buyer's Agent

The ZeroDown team has purchased, sold, or agented over $100 million of Bay Area real estate over the past two years. Here we summarize our latest high-level thinking based on the FAQs we've experienced to date...

Bay Area Real Estate Market Update: December 19, 2020

Wondering what's going on with the Bay Area's real estate market at the moment? Let's take a look...

Bay Area Real Estate Market Update: December 12, 2020

Wondering what's going on with the Bay Area's real estate market at the moment? Let's take a look...

Airbnb IPO: the Perfect Market Hedge & Great WFH Listings

A look at how this year affected Airbnb, what the future looks like for the company, and seven awesome, remote working-friendly Airbnb listings that beat a hotel room any day of the week.

The Definitive Guide To Buying a Home For Sale By Owner (FSBO)

Everything you need to know about buying a home for sale by owner...

Good News! Loan Limits Will Increase in 2021

Considering a loan in 2021? Here's some good news.

Bay Area Real Estate Market Update: December 4, 2020

Wondering what's going on with the Bay Area's real estate market at the moment?

Concerned That Your Home Is 'Unsellable'? Here's What To Do...

Here you will find the do's and don'ts around selling your home as well as some of the lesser known things to consider before selling.

When Is the Best Time To Buy a House?

Wondering when the best time to buy a house is? You've come to the right place...

Surf Now, Apocalypse Later: 2021 Housing Market Forecast

It's time for 2021 housing market predictions...

Real Housewives, Real Entertainment, Real... Estate?

Find out what 'real' 😉 impact this well-known series may have on us besides being must see TV. Can we reasonably predict housing market moves based on the upcoming new season in Salt Lake City?

The Top 5 Things To Know About the Austin Condo Market This Week

Been thinking about buying a condo in Austin? Well, you've come to the right place... we're giving you all the latest stats PLUS an invitation to our upcoming Condo Crawl event!

Is It a Good Time To Buy a Condo in SF?

Median sale prices for San Francisco condos are down 2% from $1.275 million to $1.25 million in 3Q20 vs. 3Q19. Good time to buy? We analyzed this in the context of other alternatives, such as renting.

Borat: Real Estate Learnings of America for Make Benefit Glorious Kazakhstan

What does the sixth most famous Kazakhstanian have to say about US real estate?

Join our newsletter!

We're constantly keeping up with the latest real estate trends and news - let us keep you in the loop!

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.