I think you've run out of time to grow them. Try annual rye grass when it cools down as a winter cover then try Zenith in May/June whenever it's warm enough.

Zoysia needs way less fertilizer compared to Bermuda to look good. Not as invasive or fast grower. Maybe better shade tolerance but I'll have to look it up how Zenith compares to other cultivar.

Personally, I'd go with Palisades.

I agree with Lou, wait until next year and go with Zenith Zoysia.

Put down some Perennial Ryegrass in another couple of weeks and be happy until next Summer (early).

It is not too late to lay sod as it can be laid anytime of the year providing the ground is not mud, snow covered, or frozen. Spring is the preferred time, but you can lay it now if you wish.

As for which type is entirely up to you and what you want to put into it.

Both Zoysia and Bermuda has some common characteristics of similar like texture mowing heights, drought resistance, Spring green , Fall dormancy, and wear resistance.

Bermuda requires full sun, multiple fertilizer applications per growing season, . high mowing frequency of twice a week, repairs it self fast from damage, aggressive and invasive.

Zoysia only require two fertilizer applications per year, grows slow so less mowing, can tolerate some light shade, slow to recover from damage, and has some insect and fungal issues.

It really boils down to how much work, money, and time you want to commit to. Bermuda is high input, Zoysia is medium input.