Program 04 · Private Money
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.
*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 2026Versara term sheet
Updated August 2026- 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
How Versara Works
The deal is what gets underwritten.
Some deals fail a bank's checklist. An odd property type. A past foreclosure. An exit a formula can't score. Versara exists for those deals. We review the property's value and your equity the same day, in-house. No committee, no re-trade. Versara also covers residential, land, small multifamily, ADUs, manufactured homes, and fix-and-flip deals that need a different structure than Versara.
- Approval runs on property value and borrower equity instead of a rigid checklist
- Loan mods, short sales, foreclosures, and bankruptcies workable, since we underwrite on equity
- Same-day review, no committees, one underwriting table in Arizona
- Property types include residential, land, multifamily, ADUs, mobile homes, and fix-and-flip deals
- Cash-out refinance available up to 70% LTV in first position
Private money financing in five states.
Before you apply.
All FAQsWhat 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.
Ready when you are
Get your deal quoted in 24 hours.
The application takes about three minutes. An underwriter reads it the same day, and you'll have a decision within 24 hours.
maximum LTV on the Versara investment-property track, first position only.
$4,500flat origination fee. No surprises when you get to the closing table.