Buy and hold, underwritten on the property.

Versara finances buy-and-hold rental property on the rent it generates and the equity behind it. Just a property that cash flows, held by a business entity.

Create a Loan Request Call (602) 730-6853

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

Speed48 hrs

Term3–4 yrs

Amortization30 yrs

QualificationCash flow + equity

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

01 · Program facts

Program guidelines

Versara finances buy-and-hold rental property on what it earns and the equity behind it. What follows is the current guideline sheet for this program.

Versara Term Sheet

Term:: 3–4 years, with balloon at maturity
Amortization:: 30-year schedule
Qualification:: Property cash flow plus borrower equity
Property types:: SFR, condos/townhomes, small multifamily, mobile homes w/ land, foreclosures/short sales, land
Borrower:: Business entities only, non-owner-occupied
Speed:: Funds in as little as 48 hours

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	Max LTC	Max LTV 1st Lien Residential	Max CLTV 2nd Lien Residential
Residential Rehab & Hold	80%	100%	—	—
Refinance Short-Term (no Cash Out)	—	—	70%	60%
Refinance & Cash Out Short-Term	—	—	70%	60%

Scroll the table sideways to see every column.

Rental homes financed by Versara Capital

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

Rental Loan FAQs

Before you apply.

All FAQs

How do you qualify a rental loan without income documents?

Versara underwriting looks at the property's cash flow and your equity, not your personal income.

Can I refinance a fix and flip into a rental loan?

Yes. Investors who decide to keep a property instead of selling refinance out of Versara into Versara once the rehab is done. It's a BRRRR-friendly path onto longer-term, cash-flow-based financing.

What property types qualify for Versara?

Versara covers single-family residences, condos and townhomes, small multifamily properties, mobile homes with land, foreclosures and short sales, and land, all held by a business entity and non-owner-occupied.

What credit score do I need for a rental loan?

There's no minimum credit score. We underwrite on equity. Prior credit events get reviewed, but what matters most is the property's cash flow and your equity.

Where Versara Lends