DSCR Loans in Clark County, Nevada
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 245 lenders made 4,614 investment-property loans in Clark County, 81.8% of Nevada's total. Dominick Prevete arranges DSCR loans across Clark County, Nevada, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $365,000.
Clark County investor market at a glance
| Statistic | Clark County | Nevada | County rank |
|---|---|---|---|
| Investor loans | 4,614 | 5,641 | 1st of 2 |
| Reporting lenders | 245 | 272 | 1st of 2 |
| Loan volume | $1.59B | $1.98B | 1st of 2 |
| Average loan | $345K | $351K | 2nd of 2 |
| Median loan | $285K | $295K | 2nd of 2 |
| Purchases | 68.3% | 67.3% | 1st of 2 |
| Cash-out refinances | 17.3% | 17.2% | 2nd of 2 |
| 2–4 unit properties | 4.3% | 5.5% | 2nd of 2 |
| Top five lenders' share | 24.9% | 24.8% | 2nd of 2 |
| Reported business-purpose | 75.2% | 73.7% | 1st of 2 |
Clark County: closed-end loans on 1–4 unit investment properties. Clark County's rank is highest first, among Nevada's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Clark County's investor loans.
What stands out in Clark County
68.3% of Clark County's investor loans were purchases, the highest share of Nevada's 2 counties with published data (statewide: 67.3%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
4.3% of Clark County's investor loans financed a 2–4 unit property, the lowest share of Nevada's 2 counties with published data (statewide: 5.5%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
By share of investor loans reported as business-purpose, Clark County ranks highest of Nevada's 2 counties with published data (statewide: 73.7%).
75.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Clark County?
At HUD's fair market rent of $2,317 for a 3-bedroom in Clark County, Nevada, a rental covers its full DSCR payment up to a purchase price of about $365,000, with 20% down at the 7.25% starting rate (November 2026). Clark County's median home value is $431,000; at that price the payment is $2,703 a month, so the property would need $2,725 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,686 / $2,317 / $2,652 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $431,000 |
| Median property taxes and effective rate | $2,057 (0.48% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,703 |
| Rent needed to cover that payment | $2,725 |
| Coverage of a 3-bedroom at fair market rent | 0.86 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Clark County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Clark County?
The most active investment-property lenders in Clark County in 2025 HMDA data were Kiavi Funding, Inc.; United Wholesale Mortgage; and THE LOAN STORE, INC., out of 245 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Clark County, and matches each file to the one most likely to fund it.
Clark County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 4,614 loans and $1.59B from 245 lenders. Kiavi Funding, Inc. led Clark County with 542 loans, 11.7% of the county's total, and the average Clark County loan of $345K compares with $351K across Nevada.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 542 | $230.2M | $425K | 90.8% |
| United Wholesale Mortgage | 204 | $59.8M | $293K | 64.7% |
| THE LOAN STORE, INC. | 137 | $42.8M | $312K | 64.2% |
| OCMBC, INC. | 133 | $43.4M | $327K | 64.7% |
| PENNYMAC LOAN SERVICES, LLC | 131 | $44.7M | $342K | 62.6% |
| Rocket Mortgage, LLC | 130 | $39.0M | $300K | 52.3% |
| AAA CAPITAL INVESTMENT, INC. | 127 | $38.4M | $303K | 63.8% |
| PANORAMA MORTGAGE GROUP, LLC | 127 | $25.0M | $197K | 99.2% |
| DHI MORTGAGE COMPANY, LTD. | 118 | $32.3M | $274K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 99 | $33.0M | $333K | 79.8% |
| East West Bank | 84 | $25.9M | $308K | 81.0% |
| GUARANTEED RATE, INC. | 77 | $23.6M | $306K | 64.9% |
| Citadel Servicing Corporation | 75 | $29.7M | $396K | 64.0% |
| GUILD MORTGAGE COMPANY | 72 | $20.3M | $282K | 73.6% |
| HOMEXPRESS MORTGAGE CORP. | 66 | $20.0M | $303K | 40.9% |
| LANTZMAN MANAGEMENT, INC. | 64 | $22.8M | $356K | 0.0% |
| A&D Mortgage LLC | 63 | $18.1M | $287K | 66.7% |
| AMERICA FIRST Federal Credit Union | 61 | $8.2M | $135K | 21.3% |
| U.S. Bank National Association | 60 | $21.8M | $364K | 68.3% |
| CHAMPIONS FUNDING, LLC | 55 | $28.9M | $525K | 54.5% |
| Broker Solutions, Inc. | 53 | $13.3M | $251K | 75.5% |
| LIMA ONE CAPITAL, LLC | 52 | $18.6M | $358K | 96.2% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 49 | $49.0M | $999K | 77.6% |
| LENNAR MORTGAGE, LLC | 49 | $16.2M | $331K | 100.0% |
| KBHS HOME LOANS, LLC | 47 | $16.6M | $354K | 100.0% |
7 Nevada loans (0.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Clark County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Clark County CSV, all 25 lenders
What Clark County's table can't show you: fit. Short-term financing is exempt from HMDA, so Clark County's fix-and-flip and bridge lenders barely appear among its 245 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including several on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Clark County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Clark County |
|---|---|---|---|
| Mohave County, AZ | 571 | 128 | Borders Clark County |
| San Bernardino County, CA | 3,266 | 264 | Borders Clark County |
| Washington County, UT | 721 | 100 | About 110 miles away |
| Iron County, UT | 148 | 42 | About 150 miles away |
Run the coverage test on your Clark County, Nevada deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Clark County, Nevada property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Clark County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 245 lenders and 4,614 loans: 2025 HMDA loan-level data rolled up to Clark County.
- Clark County investor-lender dataset (CSV) — All 25 lenders in the Clark County, Nevada table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Clark County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Las Vegas-Henderson-North Las Vegas, NV MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Clark County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.