DSCR LOANS · Nevada (NV) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Nevada DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Nevada DSCR Loans provide business-purpose real estate investors with Up to 80% LTV Purchase / 75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 Business Days close). In Nevada (NV), lenders underwrite to a Non-Judicial (NRS Chapter 107 Deed of Trust) statutory framework (115–135 days-day average timeline), a 0.55% average property tax rate (~$209/mo at the $455,000 state median), and $420/$100K hazard insurance (~$159/mo).

Max Leverage / LTC
Up to 80% LTV Purchase / 75% Cash-Out
Min FICO: 620 – 660+ FICO
2026 Rate Band
6.375% – 8.25% (Wholesale Tier Dependent)
30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO
NV Security Instrument
Non-Judicial (NRS Chapter 107 Deed of Trust)
115–135 days days avg timeline
NV Avg Tax & Ins
0.55% Tax
$420/$100K Hazard Ins

Nevada County-Level Property Tax & Insurance Hubs (2)

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Nevada DSCR Loans (2026) — Up to 80% LTV Purchase / 75% Cash-Out, 6.375% – 8.25% (Wholesale Tier Dependent) | Stephen R. Mannenbach | Stephen Mannenbach