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Conventional investment property loans for Nevada real estate investors. Finance rental properties with competitive rates—single-family rentals, multi-unit properties up to 4 units, and vacation rentals.
Nevada's growing population and tourism industry create consistent rental demand in Las Vegas, Reno, and Henderson.
Deduct mortgage interest, property taxes, insurance, maintenance, and depreciation on investment properties.
Positive monthly cash flow when rental income exceeds mortgage payment, taxes, and expenses.
Build equity as property values increase and tenants pay down your mortgage over time.
No, FHA loans require you to occupy the property as your primary residence. However, you can use an FHA loan to buy a 2-4 unit property, live in one unit, and rent out the others (house hacking strategy).
Conventional investment loans require full income documentation (W2s, tax returns, pay stubs). DSCR loans qualify you based solely on the property's rental income without verifying your personal income, making them ideal for self-employed investors or those with multiple properties.
For DSCR loans, the property's rental income must cover the mortgage payment (typically 1.0-1.25x DSCR ratio). For conventional loans, lenders use 75% of the rental income to offset the mortgage payment when calculating your debt-to-income ratio.
Yes, with portfolio loan programs designed for experienced investors. Conventional loans have limits on the number of financed properties (typically 4-10), but portfolio lenders can finance larger investment portfolios with custom terms.
Yes, investment property loans typically have interest rates 0.5-1.0% higher than primary residence loans due to increased risk. Rates vary based on credit score, down payment, property type, and loan program.
Get pre-approved for an investment property loan and start building your Nevada real estate portfolio today.
Choose the right financing solution for your Nevada investment property strategy
Traditional financing for 1-4 unit rental properties with 15-25% down payment requirements.
Debt Service Coverage Ratio loans based on rental income, not your personal income.
Flexible financing for investors with multiple properties or unique scenarios.
Nevada's trusted conventional mortgage lender serving Las Vegas, Henderson, Reno and all of Nevada with competitive rates and expert guidance.
3% down, competitive rates, flexible terms
conventionalhomeloans.services →3.5% down, flexible credit, government-backed
fhahomeloans.services →$0 down, no PMI, for veterans & military
vahomeloans.services →$0 down, rural properties, income limits apply
usdahomeloans.services →
Valley West Mortgage - NMLS #65506
Nevada Mortgage Lender License
Licensed to conduct business in Nevada
NMLS Consumer Access: www.nmlsconsumeraccess.org
We are an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. This company does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or handicap.
This is not a commitment to lend. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Additional restrictions may apply. Property insurance required. Flood insurance may be required. This website is for informational purposes only and does not constitute financial advice. Consult with a licensed loan officer for personalized guidance.