DSCR Loans in Nevada
Browse 42 lenders offering dscr loans in Nevada. Compare rates, requirements, and loan programs — then connect directly.
DSCR Lenders in Nevada
42 lenders offering dscr loans to borrowers in Nevada.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Roc Capital
New York, NY
Originated $15B+ in loans. Bridge and DSCR rental loans for real estate investors. Known for speed and scale.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Truss Financial Group
CA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Velocity Mortgage Capital
Westlake Village, CA
Small balance commercial mortgage lender. DSCR and business purpose loans for 1-4 unit investment properties and small commercial properties.
Visio Lending
Austin, TX
Dedicated rental property lender. DSCR-only, specializing in long-term and short-term rental financing for investors. Streamlined process for experienced landlords.
About DSCR Loans in Nevada
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In Nevada, 42 lenders currently offer DSCR financing with loan amounts from $100K to $5M and rates typically ranging from 7.0% - 9.5%.
Nevada Market Overview
Nevada has diversified significantly beyond gaming, with the Las Vegas and Reno metros attracting major technology and logistics operations including Tesla's Gigafactory. The state's lack of income tax and pro-business regulatory environment drive corporate relocations.
Nevada has no state income tax, corporate income tax, or franchise tax, making it one of the most tax-friendly environments for CRE investors and business tenants. The state's partial abatement programs for data centers, manufacturing, and logistics operations can reduce property taxes, sales taxes, and payroll taxes for qualifying facilities. Las Vegas's industrial market has seen explosive growth from e-commerce distribution, but the Southern Nevada Water Authority's strict water allocation policies can limit certain types of commercial development.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Pros and Cons
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans FAQ
What is a good DSCR ratio? ▼
Can I get a DSCR loan with no money down? ▼
Do DSCR loans show on my credit report? ▼
Can I use a DSCR loan for a short-term rental? ▼
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