Private money loans, underwritten on the property.

Versara is asset-based private money. Approval runs on the property's value and your equity. A short sale or bankruptcy in your past is workable. Unusual property types get a real look.

Create a Loan Request Call (602) 730-6853

*Starting rate and maximum leverage are for qualified transactions and subject to underwriting; actual rate, LTV, and LTC vary by deal, program, and state. Business-purpose loans to entities secured by non-owner-occupied property only. Terms subject to underwriting; rates and terms vary by deal and state. BK #0944451.

Versara snapshot

Updated August 2026

Interest rateFrom 12.9%*

LeverageUp to 70% LTV

Down paymentMinimum 20% down

Origination$4,500 flat

Snapshot only. Full term sheet below. Subject to underwriting; rates and terms vary by deal and state.

01 · Program facts

Program guidelines

Versara writes three kinds of private money loan: bridge, equity cash-out, and a second mortgage behind someone else’s first. The guidelines for each are below, with the terms we quote today.

Bridge Loans

Loan Purposes:: Purchase, refinance, and short-term business-purpose real estate financing
Property Types:: Residential and qualifying commercial real estate
Loan Term:: 3–60 months, interest-only
Maximum LTV:: Up to 85%
Closing Speed:: As little as 48 hours
Loan Purpose Restriction:: Business and investment purposes only

Equity Cash-Out Loans

Loan Purpose:: Accessing existing real estate equity for business or investment purposes
Financing Type:: Private money cash-out financing
Loan Term:: 3–60 months, interest-only
Maximum LTV:: Up to 85%
Loan Purpose Restriction:: Business and investment purposes only

Second Mortgage Loans

Loan Position:: Second mortgage behind an existing first mortgage
Loan Purpose:: Business-purpose financing using available real estate equity
Minimum Fee:: $5,000
Primary Residence Collateral:: Eligible when the loan proceeds are used for business purposes
Consumer-Purpose Loans:: Not offered

Versara Term Sheet

Interest rate:: From 12.9%
Origination:: $4,500 flat
Doc fee:: $495
Leverage:: Up to 70% LTV, first position only
Down payment:: Minimum 20% down
Property types:: SFR, small multifamily, mobile homes with land, no industrial or commercial neighbors
Borrower:: Business entities (LLC, corporation, partnership), non-owner-occupied only
Refinance:: Cash-out refinance available
Speed:: Same-day review, no committees

Terms, rates, and fees are subject to change without notice and are not a commitment to lend. All loans are for business or investment purposes only, subject to underwriting approval and executed documentation. Rates and terms vary by deal and state.

02 · How much we lend

Maximum leverage

Scenario	Max LTP Residential	Max LTP Multifamily	Max LTP Commercial	Max LTP Land	Max LTV 1st Lien Residential	Max CLTV 2nd Lien Residential
Purchase Short-Term (no Value-Add)	80%	80%	80%	50%	—	—
Refinance Short-Term (no Cash Out)	—	—	—	—	70%	60%
Refinance & Cash Out Short-Term	—	—	—	—	70%	60%

Scroll the table sideways to see every column.

Investment property financed with a Versara private money loan

03 · Fit check

Which deals we fund

Common Loan Scenarios

Investor purchasing a single-family property to renovate and resell
Investor acquiring a residential property that requires repairs or renovation
Investor needing bridge financing for a time-sensitive real estate acquisition
Property owner completing a cash-out refinance to access equity for business purposes
Business-purpose borrower seeking a second mortgage behind an existing first mortgage
Investor purchasing or refinancing a mobile or manufactured home
Investor financing an investment property in a rural or remote Arizona market
Borrower with a low credit score seeking asset-based real estate financing

Scenarios Not Considered

Purchasing a property with no money down
100% financing
Consumer-purpose loans
Ground-up construction loans
Consumer-purpose residential loans
Owner-occupied home purchase financing

04 · What it costs

Fees

Processing Fee:: Our origination, processing, underwriting and doc fees combined are almost always under 1% of the loan amount for a regular fix and flip loan.
Escrow Fee:: normal escrow and title fees when you purchase a property or do a refinance
Title Fee:: normal escrow and title fees when you purchase a property or do a refinance

Additional details

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.

Last updated: September 14, 2026

Private Money FAQs

Before you apply.

All FAQs

What is private money?

Private money is short-term, asset-based financing from a direct lender instead of a bank. Approval runs on the property's value, your equity, and your plan, not a government-backed checklist. That's why it moves faster than conventional financing.

How is private money different from your other programs?

Our other programs are built for a specific deal type (fix and flip, rental, commercial). Private money is the flexible option, underwritten on the property and your equity across residential, land, small multifamily, ADUs, manufactured homes, and fix-and-flip deals that need a different structure.

Can I cash-out refinance with a private money loan?

Yes. Cash-out refinance is available on the Versara investment-property track, up to 70% loan-to-value in first position.

What if I have credit events?

Loan modifications, short sales, foreclosures, and past bankruptcies matter less to Versara than to a bank. Approval is based on the property's value and your equity, reviewed the same day.

Where Versara Lends