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Nevada Investor DSCR Deal Desk
Nevada (NV) · Non-Judicial (NRS Chapter 107 Deed of Trust) Foreclosure · 2026 DSCR Desk

Nevada DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

Nevada DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Nevada (NV) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Nevada median 1–4 unit price of $455,000 and Form 1007 rent of $3,150/mo (0.55% property tax, $420/$100K hazard insurance), a 75% LTV loan models at 1.22x DSCR ($2,581/mo total PITIA).

Median 1–4 Unit Price
$455,000
75% LTV: $341,250
Median Form 1007 Rent
$3,150/mo
Modeled DSCR: 1.22x
NV Effective Tax Rate
0.55%
~$209/mo Tax Escrow
Security Instrument
Non-Judicial (NRS Chapter 107 Deed of Trust)
Avg Timeline: 115–135 days days

All 10 Investor Loan Programs in Nevada (NV)

Nevada DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Nevada Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Nevada Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Nevada Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Nevada Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Nevada Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Nevada Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Nevada Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Nevada Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Nevada Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Nevada County Property Tax & Insurance Underwriting Atlas (2)

Clark County, NV
Clark County, NV · 0.59% Tax · $415/$100K Ins
Washoe County, NV
Washoe County, NV · 0.64% Tax · $450/$100K Ins

Top Nevada Investment Cities

Las Vegas, NVHenderson, NVReno, NVNorth Las Vegas, NVSparks, NVCarson City, NV
Nevada DSCR Loans (2026) — 80% LTV, Rates & NV Underwriting Guide | DSCR Loans in Nevada — Las Vegas, Henderson & Reno Cash-Flow Rental Financing Up to 80% LTV