Versara Capital
Versara Capital is a private lender that provides hard money loans to real estate investors in Arizona and a few other markets in the South. They offer quick funding with no appraisals for residential properties, accept low credit scores, and provide various loan types including bridge and rehab loans, all while focusing on asset-based lending.
Lending Quick Facts
- Loan Types: Bridge, rehab, equity cash-out, purchase, and second mortgages
- Property Types: Single-family residential, condos, multifamily, commercial properties, land, and mobile/manufactured homes
- Mobile & Manufactured Homes: Available, including financing scenarios that can be difficult to place with conventional lenders
- Georgaphic Coverage: Arizona, Texas, Georgia, North Carolina, Alabama (select markets)
- Senior Loan Fees: Typically a flat fee of $995–$1,995 rather than points, although fees may be higher in some cases
- Second Mortgage Fees: Minimum fee of $5,000
- Second Mortgages: Available in qualifying situations, including on a primary residence when proceeds are used for business purposes
- Closing Speed: Can close in as little as 48 hours; the company website states some products may fund sooner
- Loan Terms: Company website advertises interest-only terms ranging from 3 to 60 months
- Maximum LTV: Loan-to-value ratios up to 85% for qualifying loans
Questions & Answers
Versara Capital offers business-purpose private money loans for real estate, including bridge loans, rehab loans, purchase financing, equity cash-out loans, and second mortgages. Versara Capital also finances mobile and manufactured homes.
Versara Capital lends throughout Arizona, including rural areas. Versara Capital also lends in Austin, Dallas-Fort Worth, Houston, and San Antonio, Texas; Charlotte and Raleigh-Durham, North Carolina; Atlanta, Georgia; and Huntsville, Alabama.
Versara Capital considers properties throughout Arizona, including rural and remote locations. An appraisal may be required for a residential property in a rural area.
Within the state of Texas, Versara Capital only lends in the 4 metro areas: Austin, Dallas Fort Worth, Houston and San Antonio.
Versara Capital's lending in North Carolina is limited to the Charlotte and Raleigh-Durham.
Versara Capital's lending in Georgia is limited to the Atlanta metro area only.
Versara Capital's lending in Alabama is limited to the Huntsville area only.
Yes. Versara Capital specifically finances mobile and manufactured homes, a property category that can be difficult to finance through conventional sources. They consider single-wide and double-wide manufactured homes and other specialized manufactured-housing scenarios.
Versara Capital considers single-family residences, condos, multifamily properties, commercial real estate, land, and mobile/manufactured homes. Eligibility and loan structure depend on the property and transaction.
Versara Capital generally does not require appraisals for residential properties. Versara Capital may require one when a property is particularly unique or located in a rural area.
Versara Capital states that low credit scores are acceptable. Versara Capital checks credit but indicates that the credit score itself is not a primary concern in its underwriting approach.
Versara Capital's Private Lender Link profile states that loans can close in as little as 48 hours. Versara Capital's own website states that some products may receive approval or funding in as little as 24 hours, depending on the transaction.
For most first mortgages, Versara Capital's current Private Lender Link profile states that it uses a flat fee rather than points, typically $995 to $1,995, although the fee may be higher in some cases. Different pricing can apply to specialized loan programs.
Yes. Versara Capital offers private-money second mortgages, with a stated minimum fee of $5,000. Versara Capital may also consider a second mortgage secured by a primary residence when the loan proceeds are used for business purposes.
Yes. Versara Capital offers financing for real estate investors acquiring or renovating properties for resale, as well as other rehab transactions. Fix-and-flip and rehab financing are among the lender's primary programs.
Yes. Versara Capital offers equity cash-out financing for qualifying business-purpose transactions. Cash-out refinancing is specifically identified among the financing scenarios the lender handles.
No. Versara Capital's current Private Lender Link profile specifically states that the lender does not offer ground-up construction loans.
No. Versara Capital provides private loans for business or investment purposes rather than personal, family, or household use. Its current Private Lender Link profile specifically excludes consumer-purpose home loans.
Versara Capital focuses on private real estate loans, including scenarios that may not fit conventional lending guidelines. Examples include low-credit-score borrowers, rural Arizona properties, second mortgages, and mobile or manufactured homes.
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
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
Rehab & Fix-and-Flip Loans
- Loan Purposes: Property acquisition, rehabilitation, and fix-and-flip projects
- Property Types: Residential investment properties
- Loan Term: 3–60 months, interest-only
- Maximum LTV: Up to 85%
- Residential Appraisals: Generally not required unless the property is unique or located in a rural area
- Closing Speed: As little as 48 hours
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
Mobile & Manufactured Home Loans
- Property Types: Mobile and manufactured homes
- Loan Purposes: Business-purpose purchase and refinance transactions
- Arizona Coverage: Statewide, including rural areas
- Loan Purpose Restriction: Business and investment purposes only
Land Loans
- Property Type: Land
- Loan Purpose: Business and investment-purpose land transactions
- Financing Type: Private money financing
- Loan Term: 3–60 months, interest-only
- Ground-Up Construction: Not offered
Purchase Short-Term (no Value-Add)
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Property Types
- 2-4 Units Residential
- Adult Day Care
- Assisted Living Facility
- Commercial Condominium
- Commercial Land
- Condominium
- Manufactured Home
- Mobile Home
- Multifamily
- Office
- Residential Land
- Retail
- Senior Housing
- Single Family Residence
- Storage Facility
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Multifamily Bridge
- Multifamily Rehab
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- Primary Residence Business Purpose Cash Out
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
Fees which are mandatory for all new borrower clients
- Processing Fee
- Renovation or Construction Funds Draw Fee
Fees which are paid to a third party company
- Escrow Fee
- Title Fee
Versara Capital is an Arizona-based direct private lender offering business-purpose hard money loans to real estate investors and property owners. They lend throughout Arizona, including rural areas, as well as select markets in Texas, North Carolina, Georgia, and Alabama. Qualifying transactions can close in as little as 48 hours.
- Property Types: Single-family residences, condos, multifamily properties, commercial real estate, land, and mobile/manufactured homes
- Loan Types: Bridge, rehab, equity cash-out, and second mortgages
- Second Mortgages: Available for business-purpose transactions, including loans secured by a primary residence when the proceeds are used for business purposes
- Residential Appraisals: Generally not required unless the property is unique or located in a rural area
- First Mortgage Fees: No points; typically a flat fee of $995–$1,995 for most first mortgages
- Second Mortgage Fees: Minimum fee of $5,000
Not Offered: Ground-up construction loans or consumer-purpose home loans.
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: August 11, 2026
Versara Capital’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$3,604,000
12mo Loan Count
12
Total Loan Volume
$83,831,246
Average Loan Size
$227,185
Company Quick Facts
- Company Type: Direct private money and hard money lender; family-office operated
- Year Established: 2014
- Headquarters: Mesa, Arizona
- Principal: Brett Tanner
- Primary Borrowers: Real estate investors and other business-purpose borrowers
- Primary Market: Arizona, including rural and remote locations
- Additional Markets: Austin, Dallas-Fort Worth, Houston, and San Antonio, Texas; Charlotte and Raleigh-Durham, North Carolina; Atlanta, Georgia; Huntsville, Alabama
- Loan Purpose: Business and investment purposes only
- Capital Source: Own funds and individual investors
- Funding Experience: Website reports more than $220 million funded to over 900 borrowers
- Loan Types: Bridge, fix-and-flip / rehab, buy-and-hold, purchase, equity cash-out, and second mortgages
- Property Types: Single-family residences, condominiums, multifamily, commercial real estate, land, and mobile/manufactured homes
Office Locations
Deals Funded By Versara Capital
Our minimum loan amount is $50,000