Disclaimer: Rate data is updated weekly. Last updated: April 14, 2026. Rates change daily — always contact lenders directly for a current quote. DSCRFinder.com does not guarantee rate accuracy from third-party lenders.
DSCR Loan Rates in Nevada — April 2026
Nevada is a top DSCR investor destination: no state income tax, landlord-friendly laws, low property taxes, and one of the strongest short-term rental markets in the world in Las Vegas. Nevada's business-friendly environment and continued population growth from California out-migration make it a compelling DSCR loan market.
As of April 14, 2026, the national 30-year fixed rate for primary residences is 6.40% (Bankrate). DSCR loans in Nevada typically run 7.15% to 8.75%.
April 2026 Nevada DSCR Rate Table
| Borrower Profile | DSCR | FICO | Down Payment | Rate Range | |---|---|---|---|---| | Best-qualified | 1.25+ | 740+ | 30%+ | 7.15% – 7.50% | | Strong | 1.25+ | 720–739 | 25% | 7.50% – 7.75% | | Standard | 1.0–1.24 | 680–719 | 20–25% | 7.75% – 8.25% | | Moderate | 0.75–0.99 | 660–679 | 20% | 8.25% – 8.50% | | Challenging | Below 0.75 | Below 660 | 20% | 8.50% – 8.75%+ |
Nevada DSCR Market by City
Las Vegas / Henderson / North Las Vegas
Las Vegas is one of the most STR-friendly major cities in the US. Clark County allows short-term rentals with a permit, and demand is exceptionally high given 40M+ annual visitors. Long-term rental demand is also strong from service industry workers, retirees, and corporate relocations (Raiders, Golden Knights, Formula 1). DSCR ratios of 1.00–1.20 for long-term rentals; STR income can significantly improve ratios.
Reno / Sparks
Reno has transformed from a casino town to a major tech and logistics hub (Tesla Gigafactory, Amazon, Google, Switch). Population growth from California out-migration has driven rent increases. DSCR ratios of 1.05–1.25 are achievable in suburban Reno.
Nevada Market Fundamentals
| Market | Median Price (SFR) | Typical Monthly Rent | Est. DSCR | |---|---|---|---| | Las Vegas suburbs | $380,000 – $480,000 | $2,000 – $2,600 | 1.00 – 1.20 | | Henderson | $420,000 – $560,000 | $2,200 – $2,900 | 0.95 – 1.15 | | Reno suburbs | $460,000 – $580,000 | $2,200 – $2,900 | 0.95 – 1.15 |
Nevada STR DSCR Loans
Nevada is one of the best states for STR DSCR loans:
- Las Vegas STR permits are available through Clark County (non-owner occupied allowed in most areas)
- STR income can be significantly higher than long-term rents — 1.5x–3x depending on location
- Use lenders that accept AirDNA income documentation for STR DSCR qualification
- Rate premium for STR DSCR loans: +0.25%–0.50%
Nevada Landlord-Tenant Law
- No state income tax — significant investor advantage
- No rent control (statewide preemption)
- Eviction process — 7-day notice; relatively efficient court process
- Property taxes — 0.55%–0.75% effective rate, among the lowest in the US
- LLC ownership — Nevada has among the strongest LLC asset protection laws in the US
Related: Current DSCR Rates April 2026 | DSCR Rates by State | DSCR Loans for Short-Term Rentals | Compare Lenders
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