The Company 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?

Abhijeet Dwivedi

Abhijeet is the 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.

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.

Zahid Jafry

Zahid is a Director of Capital Markets at ZeroDown. He has 9 years of experience in private wealth management, including most recently at Merrill Lynch. Prior to Merrill, he helped establish product-market fit at 3 previous startups. This included bringing the first outside investors to a marketplace lender. Zahid holds an MBA from University of Toronto. He is a registered holder of the Series 7, 66 FINRA licenses.

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.   

Sam Sawyer

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 International Realty before launching a luxury boutique brokerage firm with 2 other high-producing agents 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 as a software engineer at SigFig and worked on all the after the trade is made systems at D. E. Shaw & Co. He holds a Masters in Software Engineering from PSG College of Technology.

Sethu Vinaitheerthan

Sethu most recently served as Director, Engineering at Zenefits where he joined as an early engineer, built several products and built 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 US$30 billion AUM at the time. Sethu holds a Masters in Software Engineering from PSG College of Technology.

Hari Viswanathan

Hari is the co-founder and COO 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.

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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.