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.

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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.

Current Terms

Versara term sheet

Updated August 2026

Term: 3–4 years, with balloon at maturity
Amortization: 30-year schedule
Qualification: Property cash flow + 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.

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.

Suburban rental property financed with a Versara buy-and-hold loan

Qualify On What The Property Earns

We lend on your equity, not your paycheck.

Most rental financing starts with two years of tax returns, pay stubs, and a debt-to-income calculation. Versara works the other way. We look at what the property rents for, what it's worth, and how much equity is behind the loan. If the deal makes sense on its own, we underwrite it to match.

Terms run three to four years with a balloon payment, amortized over 30 years to keep monthly payments low. Funds can move in as little as 48 hours once your file is complete. It's an in-house decision, not a committee.

Single-family residences
Condos and townhomes
Small multifamily properties
Mobile homes with land
Foreclosures and short sales
Land

Built For The Buy-And-Hold Investor

From flip to portfolio.

Investors running the buy-rehab-rent-refinance (BRRRR) model often start with a short-term Versara loan to fund the purchase and renovation. Once the property is stabilized and leased, they refinance into Versara's longer amortization. That frees up capital to fund the next deal, and the two programs hand off to each other without restarting underwriting.

Versara is written to business entities (LLCs, corporations, partnerships) securing non-owner-occupied property. That keeps underwriting focused on the deal, not your personal finances. A prior bankruptcy or foreclosure won't automatically disqualify a file. We evaluate equity and cash flow.

Where Versara Lends