More investors are applying for real estate rehab loans, or loans made to investors and collateralized against the quick-sale value of the property for which the loan is made, according to ZINC Financial. ZINC Financial provides investment rehab loans that help investors leverage their capital to acquire and rehabilitate properties. Also known as a hard money loan, lenders often structure a rehab loan based on a 60 to 70% loan-to-value (LTV) ratio — an amount the lender could expect to get from the sale of a property within one to four months of default, according to ZINC’s Website. In anticipation of increased demand of rehab loans throughout 2009 and into 2010, ZINC launched its Investor Rehab Program, which provides investors with a possible seven-day submission process. Investors should have no shortage of inventory as analysts at RealtyTrac, a real-estate data provider, anticipate a peak of foreclosures in 2010. Write to Jon Prior.