Z-flashing
A special type of metal flashing that protects horizontal joints between siding panels that don't overlap. It has a Z-shaped profile and is designed to tuck up under the upper panel and overlap the lower one.

Zero Percent Financing
A loan with no interest in the contract. The IRS imputes 10 percent for both borrower and lender.

Zero-lot line
The positioning of a house near or on top of the lot boundary, resulting in little or no space between houses.

Zero-net
When the seller receives little or no net proceeds from the property sale.

Zoning
The right of a community, under its police power, to dictate the use of property within its boundaries.

Zoning variance
A one-time modification of existing zoning law.