Service Areas · Home Base
Arizona hard money loans, underwritten in-state.
We underwrite every file in-house. We've funded flips, rentals, and manufactured homes across the Valley and statewide.
Business-purpose loans to entities secured by non-owner-occupied Arizona real estate only. Terms subject to underwriting; rates and terms vary by deal and state. BK #0944451.
Where we lend · Arizona
Where we lend in Arizona.
Property Geographic Area Details
We lend throughout Arizona, including rural areas.
Every City We Serve in Arizona
- Avondale
- Buckeye
- Casa Grande
- Chandler
- Flagstaff
- Fountain Hills
- Gilbert
- Glendale
- Goodyear
- Kingman
- Maricopa
- Mesa
- Paradise Valley
- Payson
- Peoria
- Phoenix
- Prescott
- Queen Creek
- San Tan Valley
- Scottsdale
- Sedona
- Show Low
- Sun City
- Tempe
- Tucson
- Yuma
Not on the list? We lend on investment property statewide. Ask us about your market.
From the Valley to the high country.
Phoenix
Fifth-largest city in the country. We fund fix & flip and rental deals in every Phoenix submarket, from the historic districts near downtown to the new-build corridors on the edges.
Mesa & the East Valley
This is home base. Mesa, Chandler, Gilbert, Queen Creek, and San Tan Valley make up an East Valley buy box with deep inventory and strong rental demand.
Scottsdale & Paradise Valley
Higher price points, bigger spreads. Fast asset-based capital keeps you competitive when a deal turns into a bidding war.
Tempe, Glendale & the West Valley
Tempe rents to ASU students. Avondale, Goodyear, Buckeye, Peoria, and Sun City keep adding new homes on the west side.
Tucson
Tucson trades at a discount to Phoenix, backed by a steady university and defense economy. Versara is built for buy-and-hold investors here.
Flagstaff & the High Country
Flagstaff, Prescott, Sedona, Payson, and Show Low are mountain and vacation markets. We know these towns and lend where other lenders won't.
Versara
Fix & Flip Loans
Up to 85% LTV* with rehab draws, built for Valley flip velocity. Rates from 10.99%.*
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Versara
Manufactured & Mobile
The Arizona niche most lenders skip, including pre-1976 homes and single-wides.
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Versara
Rental & Buy-and-Hold
Hold the asset. Financing is qualified on the property and its cash flow.
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*Starting rate and maximum leverage are for qualified transactions and subject to underwriting. Actual rate, LTV, and LTC vary by deal, program, and state.
Local questions, local answers.
All FAQsDo you lend everywhere in Arizona?
Yes. Versara Capital lends on investment property statewide, from the Phoenix and Tucson metros to Flagstaff, Prescott, Sedona, Payson, Show Low, Kingman, and Yuma.
How fast can you fund a hard money loan in Phoenix?
We issue quotes within 24 hours, and funding on qualified deals can move just as fast. Our underwriters are local to the Valley, so they know its submarkets firsthand.
Do you lend on manufactured homes in Arizona?
Yes. Our manufactured home program funds manufactured and mobile homes that most lenders decline, including pre-1976 homes and single-wides.
Ready when you are
Fund your next Arizona deal in days.
Fill out the loan request. Get a quote in 24 hours from an underwriter who knows your zip code.
Every underwriting decision happens at one table.
229investor projects funded, $100M+ in closed loans.