DSCR Loans in Las Vegas, NV
Find lenders offering dscr loans in the Las Vegas, including Henderson, North Las Vegas, Summerlin, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Las Vegas
42 lenders offering dscr loans in the Las Vegas, NV area.
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.
Las Vegas Commercial Real Estate Market
Las Vegas has evolved well beyond its gaming identity into one of the fastest-growing and most diversified CRE markets in the western United States, with over 2.2 million metro residents and a rapidly expanding industrial base. The Las Vegas Strip corridor continues to command among the highest hospitality revenues per room in the world, but the significant growth story is in the southwest and Henderson submarkets, where master-planned communities drive retail and multifamily demand. The I-15 corridor north toward Apex Industrial Park has become a major distribution and manufacturing hub, attracting companies like Amazon, Haas Automation, and numerous e-commerce fulfillment operators. The arrival of the Las Vegas Raiders at Allegiant Stadium and the relocation of the Oakland Athletics have further diversified the entertainment economy and stimulated development in the surrounding stadium district.
Key Economic Drivers
- ●Allegiant Stadium, Las Vegas Convention Center expansion, and Formula 1 Grand Prix generating hospitality and entertainment CRE demand
- ●Apex Industrial Park and the I-15 north corridor attracting Amazon, Haas Automation, and logistics operators
- ●MGM Resorts, Caesars Entertainment, and Wynn Resorts driving ongoing Strip corridor investment
- ●Henderson and Summerlin master-planned communities fueling suburban retail and medical office growth
Market Insight
Nevada imposes no state corporate income tax, no personal income tax, and no franchise tax, making Las Vegas one of the most tax-advantaged CRE markets in the country for both property investors and business tenants.
DSCR Loans in Las Vegas, 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 the Las Vegas metro area, borrowers can access 42 lenders offering DSCR financing, including Henderson, North Las Vegas, Summerlin, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
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)
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)
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