Nevada DSCR Loans for STR Financing

Grow Your Portfolio with DSCR Loans

Whether you're financing STRs in Las Vegas, long-term rentals in Reno, or seasonal units in Henderson, our DSCR loans  provide Nevada investors with competitive rates and flexible terms. These loans are based on your property's rental income—not your W-2s or credit history. We evaluate whether the asset can fully support its debt service, making the approval process smoother and faster. Nevada’s strong tourism economy and high occupancy rates make it a hot spot for short-term rental investors. With DSCR financing, you can expand without traditional income documentation and scale quickly across high-demand markets.

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How to qualify

To obtain a quote, we will need the following information:

Property Value and

 Purchase Price


Down Payment

Amount


Credit Score



 Asset Types

  • Single Family Homes
  • Townhomes
  • Condos
  • 2 - 4 Units (Duplex, Triplex, Quadplex)
  • Multi-Family: 5 - 8 Units
  • Mixed-Use: 2 - 8 Units
  • Multi-Family: 9+ Unit



Loan Terms


  • Loan Sizes: $100k up to $3.5 Million (Larger loan sizes available on a case by case basis)
  • Purchase LTV: Up to 85%
  • Rate & Term Refinance LTV: Up to 80% 
  • Cash Out Refinance LTV: Up to 80%
  • Amortization: 30 Year % 40 Year Amortization Options Available
  • Term Lengths: 5/6 ARMs, 7/6 ARMs, 10 Year Interest Only, 30 Year Fixed & 40 Year Fixed
  • Floor Rate: 5.50% (subject to change daily due to market volatility)
  • Full Recourse with personal guarantee required for all borrowers with majority ownership (typically 20%+ or 25%+ if closing in an Entity)
  • DSCR Requirement: 1.00x or greater depending on loan size and property type. Sub-1.00x DSCR and NO DSCR options available.
  • Vesting: Lending to Individuals, LLCs, and Corporations. Trusts Allowable on a Case by Case Basis.
  • Average Time to Close: 14 to 35 days

Wondering if you qualify for investment property financing in your area?


We offer lending services in all 50 states!

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Frequently Asked Questions

What is a DSCR loan and how does it work for Nevada real estate investors?

A DSCR loan (Debt Service Coverage Ratio loan) is structured for real estate investors who want to qualify using a property's income rather than W-2s, tax returns, or personal credit. As long as the property generates enough rental income to cover its debt service, the loan may be approved—even for self-employed borrowers or those purchasing through an LLC. In Nevada, where STRs in Las Vegas and long-term rentals in Reno or Henderson are in high demand, DSCR loans offer the flexibility to compete in fast-moving, cash-flow-rich markets.

How is DSCR calculated in a typical loan scenario for Nevada investors?

Nevada investors calculate DSCR by dividing a property’s net operating income (NOI) by its total debt service for the year—including principal, interest, taxes, and insurance. If a Nevada rental earns $108,000 in NOI and has $90,000 in annual debt, the DSCR is 1.20. That means the rental generates 20% more than it costs to service the loan. While a 1.00 DSCR is typically the minimum for Nevada lenders, ratios closer to 1.25 are preferred—particularly in high-demand areas like Las Vegas, Reno, and Henderson. Understanding DSCR in Nevada helps investors evaluate deals quickly and secure favorable financing terms.

What is considered a good DSCR ratio when applying for financing?

In Nevada, a good DSCR ratio typically starts at 1.20. While a 1.00 ratio may meet the bare minimum requirement, a 1.20 DSCR indicates that the property produces 20% more income than needed to cover its debt service. This extra margin reassures lenders and may help secure better terms. Whether you're investing in Las Vegas, Henderson, or Reno, understanding what qualifies as a good DSCR in Nevada allows you to pursue stronger deals, reduce financing risk, and optimize your loan options across the state’s diverse real estate markets.

Can I qualify for a DSCR loan if my personal income is limited?

Yes, you can qualify for a DSCR loan even if your personal income is limited. DSCR loans, often referred to as Airbnb loans when used for short-term rental properties, are designed to approve borrowers based on the income the property generates—not personal W-2s, tax returns, or debt-to-income ratios. Lenders calculate the property's debt service coverage ratio to determine if the income is sufficient to support the loan. As long as the DSCR meets the required threshold—usually 1.00 or higher—you can often be approved regardless of personal income. This makes Airbnb loans ideal for self-employed investors, business owners, or anyone scaling a rental portfolio without relying on traditional underwriting standards.

How does a lender evaluate rental income when approving a DSCR loan?

Nevada lenders approve DSCR loans by reviewing the income the property is expected to generate—not your personal earnings. In Nevada, investors can provide documentation such as leases, STR income records, or appraisal-based rent analysis to establish income. That income is then used to calculate the DSCR by dividing it by the property’s annual loan payments. As long as the DSCR meets or exceeds 1.00, Nevada borrowers may qualify. DSCR loans in Nevada are popular among self-employed investors and STR operators. Understanding how rental income is evaluated in Nevada is key for accessing streamlined, property-first financing.

What’s the minimum debt service coverage ratio required for approval?

Nevada lenders generally require a minimum DSCR of 1.00, ensuring the property generates enough rental income to cover the loan. Some Nevada lenders will accept a DSCR as low as 0.75 in low-risk scenarios, especially with strong reserve backing. A DSCR of 1.25 is often preferred in high-demand markets like Las Vegas, Henderson, or Reno. DSCR loans in Nevada are commonly used for short-term rental properties and investment portfolios. Understanding the DSCR minimum in Nevada helps real estate investors prepare more competitive loan applications and reduce financing obstacles.

Who should consider using a DSCR instead of a traditional loan?

These loans are perfect for self-employed individuals, LLCs, and investors managing multiple properties. DSCR loans in Nevada are commonly used in STR-heavy markets like Las Vegas and Henderson, where rental income is the primary qualifier. Nevada borrowers can avoid traditional income verification and close deals faster. This financing model helps Nevada investors grow efficiently in competitive markets.

Expanding your rental portfolio beyond Nevada? We also offer financing in California and Utah , making it easy to scale across the West with the same asset-based approval process.