About ZeroDown


Homeownership as we've known it has changed

What used to be an integral part of the American Dream, or at least a check mark on the way to adulthood, is now well beyond reach for many of us. And nobody bears the brunt of the current housing crisis more than young folks, who, compared to their parents and grandparents, find themselves saddled with more debt and in possession of fewer assets.

But it doesn't have to be this way.

At ZeroDown, we're driven by the radical idea that professionals with steady jobs and healthy finances should be able to afford homes - even in San Francisco. That's why we've come up with an alternative to the rent-or-own dilemma, offering the benefits of homeownership with the flexibility of renting.

Beyond helping you build wealth, partnering with ZeroDown comes with a range of advantages. We never lock you into a commitment to buy, minimizing your financial risk while giving you time to decide on whether you'd like to purchase your ZeroDown home. We also don't ask you for a down payment (hence the name ZeroDown!). This frees up your money for other investments and opportunities so you can keep building financial security. Lastly, we even offer a white-glove concierge service and access to other home-related resources to make your life easier as a ZeroDown resident.

The housing market has changed, so why should our approach to it stay the same?

Nick Dowdle

Nick works on growth at ZeroDown. Previously, he lead cross functional growth efforts at Sentieo in the artificial intelligence and machine learning space for hedge funds. During his time there, he launched multiple campaigns and was the Co-Chair of the Diversity, Equity and Inclusion Committee. Prior to Sentieo, Nick worked for the private equity search fund Stables Partners.

Abhijeet Dwivedi

Abhijeet is co-founder and CEO at ZeroDown. Previously, he was the COO and CSO at Zenefits. Prior to Zenefits he was with McKinsey - where he advised clients on strategy in Tokyo, London, Singapore, New Delhi, and Washington DC. He holds a Masters in IT from University of Pennsylvania and Bachelors in Materials Engineering from IIT-Varanasi.

Graves Englund

Graves works on growth at ZeroDown. Previously, he managed sales at a fast growing SaaS startup called Rainforest QA, and before that was a top performing sales rep at Salesforce.com. Graves has lived in San Francisco for 10 years and knows everything about everything San Francisco.

Michael Greenspan

Michael works on growth at ZeroDown. Previously, he was a Project Manager at Opendoor where he built systems and managed strategic initiatives to help the Finance team scale to a $1.3+ billion annual home purchase rate. Prior to Opendoor, Michael built payments and fraud systems at Zenefits that processed $2 billion in payroll and ancillary services per year. He holds a B.S. in Industrial and Labor Relations from Cornell University.

Feng Hu

Feng is Senior Engineer at ZeroDown. Previously, he was an Engineering Manager at Zenefits, where he built high-performing engineering teams and built various products that served more than 10,000 SMBs. Prior to that, he was leading teams building and deploying multiple successful mobile applications at Conquer Mobile. Feng holds a Masters in Information and Communication Engineering from Tsinghua University.

Mani Krishnamoorthi

Mani is Senior Engineer at ZeroDown. Previously, he worked as a Senior Staff Software Engineer at Zenefits, where he worked on building a number of healthcare products. Prior to Zenefits, Mani was a Project Leader at D.E.Shaw & Co, where he played key roles in connecting stock exchange driven feed data with the trading systems for decision making. Mani holds a Bachelor degree in Information Technology from College of Engineering, Guindy.

Jason Kwon

Jason is GC and CSO at ZeroDown. Previously, he was the GC of Y Combinator Continuity, where he led legal affairs for YC's growth investments, managed fund formation and operations, and regularly assisted YC founders with fundraising, commercial deals and exits.  Prior to Y Combinator, Jason was the Associate General Counsel at Khosla Ventures and an attorney at Goodwin Procter LLP. Before that, he was a software engineer at multiple startups.  He holds a J.D. from UC Berkeley and a BA from Georgetown University.

Scott Lustig

Scott is Director of Tech City Fund I and Capital Markets at ZeroDown. Previously, he was a Managing Director at Fortress Investment Group, where he invested throughout the capital structure in financial services companies as part of the Fortress Strategic Capital business. Prior to Fortress, Scott was a Managing Director and co-founder of Culpeper Capital, a joint-venture with Fortress. In addition, he has served on numerous boards of directors during his career. He holds a B.S in Economics from Wharton and a B.A.S from Penn Engineering.   

Djibril Niang

Djibril works on growth at ZeroDown. Previously he was an Account Executive at at a fast growing SaaS startup called Rainforest QA and worked in Operations at Zenefits. Djibril holds a BA in Economics from Penn State and a Masters in International business from Hult International business school.

Sam Sawyer

Sam is Vice President, Real Estate Operations at ZeroDown. Sam has been licensed to sell residential real estate since he was 19 years old while attending SMU in Dallas, TX. He worked for Sotheby's before launching a luxury boutique brokerage firm called The Collective which was acquired by Compass in 2018. Sam was named one of the top 30 brokers under 30 years old by the National Association of Realtors in 2016. He consistently ranked among the top producing agents in Dallas during his time there before joining the team at ZeroDown.

Laks Srini

Laks is co-founder and CTO at ZeroDown. Previously, he was co-founder and CTO at Zenefits, where he led and helped expand Zenefits' business. Prior to Zenefits, Laks was a software engineer at SigFig and worked on post-trade and settlement systems at D. E. Shaw & Co. He holds a Masters in Software Engineering from PSG College of Technology.

Troy Steckenrider

Troy is COO at ZeroDown. Previously, he was Director of Capital Markets at Opendoor. Joining Opendoor as an early employee, Troy led projects across debt and equity financing, risk management, legal, and a variety of special initiatives. Prior to Opendoor, Troy worked in private equity at Bain Capital and as a consultant at McKinsey & Company. He holds a BA in Economics from Dartmouth College, an MBA from Harvard Business School, and is a CFA Charterholder.

Sethu Vinaitheerthan

Sethu is Director, Engineering and Head of ZeroDown, Canada. Previously, he served as Director, Engineering at Zenefits where he joined as an early engineer, built several products and global engineering teams. Prior to Zenefits, Sethu was a senior engineer at D.E.Shaw & Co, where he played key roles in engineering various fintech products for managing more than $30 billion AUM at the time. Sethu holds a Masters in Software Engineering from PSG College of Technology.

Hari Viswanathan

Hari is co-founder and Chief Economist, Head of Data Science at ZeroDown. Previously, he was a Staff Software Engineer at Zenefits, where he led a significant number of HR products and core infrastructure efforts. He holds a PhD. in Computer Engineering from Rutgers University and a Bachelors in Electronics and Communication Engineering from PSG College of Technology.

What can I afford in the Bay Area?

Who's behind ZeroDown

A history of trusted service

ZeroDown was founded by Abhijeet Dwivedi, Hari Viswanathan and Laks Srini. The three founders worked together at Zenefits -- which processes $2.5B+ a year in payroll for SMBs, provides access to healthcare and insurance for 100,000+ employees and serves more than 10,000 SMBs.