Versara Capital is a private lender that provides hard money loans to real estate investors in Arizona and a few other markets in the South. They offer quick funding with no appraisals for residential properties, accept low credit scores, and provide various loan types including bridge and rehab loans, all while focusing on asset-based lending.
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| Short-Term Loans | Residential | Multifamily | Commercial | Land |
|---|---|---|---|---|
| Purchase Short-Term (no Value-Add) | ||||
| Max LTP | 80% | 80% | 80% | 50% |
| Refinance Short-Term (no Cash Out) | ||||
| Max LTV 1st Lien | 70% | 70% | 70% | 50% |
| Max CLTV 2nd Lien | 60% | |||
| Refinance & Cash Out Short-Term | ||||
| Max LTV 1st Lien | 70% | 70% | 70% | 50% |
| Max CLTV 2nd Lien | 60% | |||
| Value-Add Loans | Max LTP | Max LTC | Max LTARV |
|---|---|---|---|
| Residential Fix & Flip | 80% | 100% | |
| Residential Rehab & Hold | 80% | 100% | |
| Multifamily Value-Add | 80% | 100% | |
| Commercial Value-Add | 80% | 100% | 80% |
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Our origination, processing, underwriting and doc fees combined are almost always under 1% of the loan amount for a regular fix and flip loan.
normal escrow and title fees when you purchase a property or do a refinance
normal escrow and title fees when you purchase a property or do a refinance
While our fee is typically $995 to $1,995 for senior (1st lien) loans, it can be higher in some cases. The minimum fee for 2nd mortgages is $5,000.
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Versara Capital lends throughout Arizona, including rural areas. In Texas, they lend in Austin, Dallas-Fort Worth, Houston, and San Antonio. In North Carolina, they lend in Charlotte and Raleigh-Durham. They also lend in Atlanta, Georgia, and Huntsville, Alabama.
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Versara Capital lends throughout Arizona, including rural areas. Versara Capital also lends in Austin, Dallas-Fort Worth, Houston, and San Antonio, Texas; Charlotte and Raleigh-Durham, North Carolina; Atlanta, Georgia; and Huntsville, Alabama.
Versara Capital considers properties throughout Arizona, including rural and remote locations. An appraisal may be required for a residential property in a rural area.
Within the state of Texas, Versara Capital only lends in the 4 metro areas: Austin, Dallas Fort Worth, Houston and San Antonio.
Versara Capital's lending in North Carolina is limited to the Charlotte and Raleigh-Durham.
Versara Capital's lending in Georgia is limited to the Atlanta metro area only.
Versara Capital's lending in Alabama is limited to the Huntsville area only.
Versara Capital offers business-purpose private money loans for real estate, including bridge loans, rehab loans, purchase financing, equity cash-out loans, and second mortgages. Versara Capital also finances mobile and manufactured homes.
Yes. Versara Capital specifically finances mobile and manufactured homes, a property category that can be difficult to finance through conventional sources. They consider single-wide and double-wide manufactured homes and other specialized manufactured-housing scenarios.
Versara Capital considers single-family residences, condos, multifamily properties, commercial real estate, land, and mobile/manufactured homes. Eligibility and loan structure depend on the property and transaction.
Yes. Versara Capital offers private-money second mortgages, with a stated minimum fee of $5,000. Versara Capital may also consider a second mortgage secured by a primary residence when the loan proceeds are used for business purposes.
Yes. Versara Capital offers financing for real estate investors acquiring or renovating properties for resale, as well as other rehab transactions. Fix-and-flip and rehab financing are among the lender's primary programs.
Yes. Versara Capital offers equity cash-out financing for qualifying business-purpose transactions. Cash-out refinancing is specifically identified among the financing scenarios the lender handles.
No. We do not offer ground-up construction loans.
No. We provide private loans for business or investment purposes rather than personal, family, or household use. Consumer-purpose home loans are excluded.
Versara Capital generally does not require appraisals for residential properties. Versara Capital may require one when a property is particularly unique or located in a rural area.
Versara Capital states that low credit scores are acceptable. Versara Capital checks credit but indicates that the credit score itself is not a primary concern in its underwriting approach.
Loans can close in as little as 48 hours. Some products may receive approval or funding in as little as 24 hours, depending on the transaction.
For most first mortgages we charge a flat fee rather than points, typically $995 to $1,995, although the fee may be higher in some cases. Different pricing can apply to specialized loan programs.
Versara Capital focuses on private real estate loans, including scenarios that may not fit conventional lending guidelines. Examples include low-credit-score borrowers, rural Arizona properties, second mortgages, and mobile or manufactured homes.
Versara Capital is an Arizona-based direct private lender offering business-purpose hard money loans to real estate investors and property owners. They lend throughout Arizona, including rural areas, as well as select markets in Texas, North Carolina, Georgia, and Alabama. Qualifying transactions can close in as little as 48 hours.
Last updated: September 14, 2026
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closings on qualifying transactions.
$50K–$1Mloan amounts, 3 to 60 months, interest-only.
