DSCR Loan Program
Debt Service Coverage Ratio (DSCR) loans and property investment loans for real estate investors in Las Vegas and Nevada.
Down Payment
20% - 25%
Min Credit Score
660+
Mortgage Insurance
None
Program Overview
Designed specifically for real estate investors. Qualification is determined by the rental income generated by the property rather than personal tax returns, W-2s, or employment verification.
Key Benefits
- No personal tax returns, W-2s, or employment verification required
- Close under an LLC, corporation, or individual name
- Scale your portfolio indefinitely without conforming 10-loan limits
- Applicable for long-term rentals and qualifying short-term / Airbnb properties
Qualifications
- Property rental income must generally meet or exceed mortgage payment (DSCR >= 1.0 - 1.25)
- Minimum 20% to 25% down payment
- Credit score 660-680+
- Adequate liquid reserves (typically 3 to 6 months PITIA)
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Conventional Home Loans
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FHA Home Loans
FHA loan services help people with lower credit scores and limited savings become homeowners in Las Vegas.
First-Time Homebuyer Loans
Guidance and financing options for first-time homebuyers in Las Vegas, Henderson, and Clark County.
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