Non-QM Loans in Las Vegas, NV
Find lenders offering non-qm loans in the Las Vegas, including Henderson, North Las Vegas, Summerlin, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Non-QM Lenders Serving Las Vegas
33 lenders offering non-qm 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.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
Anaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
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.
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.
New American Funding
Tustin, CA
Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government 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.
Rocket Mortgage
Detroit, MI
Nation's largest online home lender. Offers some non-QM products alongside conventional, FHA, VA, and jumbo loans. Fully digital application process.
Sprout Mortgage
New York, NY
Non-QM wholesale lender. Bank statement, asset depletion, foreign national, and investor programs.
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.
Acra Lending
CA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Arc Home
NJ
Wholesale and correspondent lender offering DSCR loans for real estate investors. Part of Angelo Gordon's platform with competitive non-QM pricing.
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.
Non-QM Loans in Las Vegas, Nevada
Non-Qualified Mortgage (Non-QM) loans are for borrowers who don't meet conventional lending criteria — self-employed, irregular income, recent credit events, or foreign nationals. They use alternative documentation like bank statements, asset depletion, or property cash flow to qualify. In the Las Vegas metro area, borrowers can access 33 lenders offering Non-QM financing, including Henderson, North Las Vegas, Summerlin, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 6.5% - 10%.
Who Should Consider Non-QM Loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
Key Requirements
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Advantages
- ✓Alternative income documentation
- ✓Flexible credit requirements
- ✓Available soon after credit events
- ✓Interest-only options
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Limited lender options
- •May require reserves
Non-QM Loans in Other Nevada Cities
Find Non-QM Lenders in Las Vegas
Get matched with lenders offering non-qm loans in the Las Vegas, NV area. Free for borrowers.
Get Matched — Free →