Nevada DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Nevada (NV) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Nevada utilize Non-Judicial (NRS Chapter 107 Deed of Trust) security instruments, with an average non-homestead effective property tax rate of 0.55%, a median 1–4 unit investment home price of $455,000 (median rent $3,150/mo), and 5+ unit multifamily market rents averaging $1,760/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial (NRS Chapter 107 Deed of Trust)EFFECTIVE PROPERTY TAX
0.55% Avg ($209/mo)MEDIAN 1–4 UNIT PRICE & RENT
$455,000 · $3,150/mo5+ UNIT MULTIFAMILY RENT
$1,760/door/moNevada Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $455,000·Loan/Door: $341,250·Avg Rent/Door: $3,150/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.23xCanonical:
123 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$341,25034,125,000 _cents
Monthly P&I Debt Service$2,185/mo@ 6.625% Note Rate
Total Monthly PITIA$2,553/moTax: $209 · Ins: $159
Net Monthly Cash Flow+$597/mo$7,165/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,553/mo | 1.23x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,610/mo | 1.21x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,358/mo | 1.34x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Nevada Cities with Population ≥ 50,000 (6 Markets)
Click any Nevada city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (NV) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Las Vegas, NV → | CLARK County County | 657,802 | 0.53% | $525,000 | $3,650/mo | $2,025/door |
| Henderson, NV → | CLARK County County | 295,184 | 0.55% | $520,000 | $3,550/mo | $2,000/door |
| Reno, NV → | WASHOE County County | 254,290 | 0.54% | $485,000 | $3,350/mo | $1,875/door |
| North Las Vegas, NV → | CLARK County County | 247,296 | 0.58% | $510,000 | $3,500/mo | $1,950/door |
| Sparks, NV → | WASHOE County County | 101,677 | 0.55% | $465,000 | $3,200/mo | $1,775/door |
| Carson City, NV → | CARSON CITY County County | 58,947 | 0.56% | $470,000 | $3,200/mo | $1,800/door |