Nevada Hard Money Loan Process
Fast & Transparent Financing

What is a private money lender in Nevada?

A private money lender in Nevada is a non-bank lender that provides real estate investment loans secured by Nevada properties. We focus on the property’s value and potential rather than traditional bank requirements, enabling faster closings and more flexible terms for Nevada real estate investors.

How do hard money loans work in Las Vegas, Reno, and other Nevada cities?

A: Nevada hard money loans are asset-based loans secured by real estate. We lend based on the property’s current or after-repair value, typically offering 70-80% LTV. Interest rates range from 8-15% with terms from 6-36 months, perfect for fix and flip, bridge financing, or construction projects across Nevada.

What types of Nevada properties qualify for fix and flip loans?

We finance single-family homes, condos, townhomes, and small multifamily properties (1-4 units) throughout Nevada. Properties must be non-owner occupied and suitable for renovation and resale. We especially like properties in growing Las Vegas suburbs, Henderson neighborhoods, and Reno’s expanding markets.

How fast can I close a hard money loan in Nevada?

Our Nevada hard money loans typically close in 3-5 business days from application approval. For urgent situations, we can close in as little as 2-3 days with complete documentation and clear title. This speed advantage helps Nevada investors compete in fast-moving markets.

Do you offer bridge loans in Nevada?

Absolutely! Our Nevada bridge loans provide temporary financing for 6-24 months, perfect for portfolio acquisitions, commercial property purchases, or transitioning between financing solutions. Bridge loans help Nevada investors act quickly on time-sensitive opportunities.

What are your typical Nevada loan rates and terms?

Interest rates: 8% – 15% depending on loan type and borrower profile
Terms: 6 to 36 months for most programs; up to 30 years for DSCR loans
LTV: Up to 80% for qualified borrowers and properties
Origination fees: 1-3 points depending on loan complexity

Can I get funding for construction projects in Nevada?

Yes! We provide Nevada construction loans for ground-up builds, major renovations, and additions. Our construction loans include flexible draw schedules, local Nevada inspector networks, and expertise in desert construction challenges and Nevada building codes.

Do you fund short-term rental or Airbnb properties in Nevada?

Absolutely! We fund vacation rentals and short-term income properties throughout Nevada, including Las Vegas Strip area properties and Lake Tahoe seasonal rentals. Our underwriting considers projected rental revenue from Nevada’s strong tourism markets.

What documents do I need to apply for a Nevada hard money loan?

Basic requirements:

• Property purchase contract or property details
• Basic financial information (bank statements, income summary)
• Project scope and timeline (for renovation projects)
• Proof of down payment funds
• Property insurance information

Nevada-specific documents:

• Nevada property tax information
• Local permit requirements (if applicable)
• HOA information (for Nevada communities)

Is credit score a major factor in Nevada hard money loan approval?

Not primarily. While we review credit scores, our Nevada hard money loans are asset-based, focusing on the property’s value and your project’s viability. Many Nevada investors with credit scores as low as 600 have been approved based on strong deals and adequate equity.

What areas in Nevada do you serve?

We serve all of Nevada including:

• Las Vegas Metro: Las Vegas, Henderson, North Las Vegas, Summerlin, Green Valley
• Reno-Sparks: Reno, Sparks, Carson City, Incline Village
• Lake Tahoe: South Lake Tahoe, Stateline, Crystal Bay
• Rural Nevada: Mining communities, agricultural areas, recreational properties
• Interstate Corridors: Properties along I-80, I-15, and US-95

Can first-time investors get approved for Nevada hard money loans?

Yes! While experience helps, we work with first-time Nevada investors who have strong deals and adequate capital. We provide additional guidance and support to help new investors succeed in Nevada’s real estate markets.

Do you offer financing for solar and renewable energy projects in Nevada?

Absolutely! Nevada’s abundant sunshine makes it ideal for solar projects. We finance solar farms, renewable energy installations, and energy storage facilities throughout Nevada, supporting the state’s green energy initiatives.

Are there prepayment penalties on Nevada hard money loans?

Most of our loans have no prepayment penalties, especially for terms under 24 months. This allows Nevada investors to exit loans early when properties sell quickly or permanent financing becomes available.