Carson City DSCR Loans: How Rentals in Nevada's Capital Qualify on Rent

Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages (NMLS 1862492) · Updated November 9, 2026 · Carson City figures checked November 1, 2026

Quick answer: A Carson City DSCR loan is a mortgage for a rental you won't live in. It qualifies on the property's rent divided by its full monthly payment, called PITIA. Your tax returns, W-2s and debt-to-income ratio don't decide it. Census medians put Carson City rent at $1,248 a month and the median owner cost with a mortgage at $1,874. Those two medians are not a DSCR, because they measure different homes and different loans. They do suggest that the exact address, the lender's ratio floor and the tax and insurance lines matter a lot here. iQRATE Mortgages is a Nevada-licensed broker that compares DSCR lenders, more than 100 of them on complicated deals.

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Ratings: David Ghazaryan has 5.0 stars from 87 reviews on Experience.com (October 2026). iQRATE Mortgages has 5.0 on Google from 77 reviews, 5.0 on Yelp from 51 reviews and 5.00 on Zillow from 9 reviews.

Investor loans are for business purposes only. Not all borrowers qualify. Terms are subject to underwriting and can change. This page is not a commitment to lend. iQRATE Mortgages LLC NMLS 1862492. David Ghazaryan NMLS 1486726. Equal Housing Opportunity.

What are the Carson City facts a DSCR investor should know first?

Each figure is explained below, along with what it means for the ratio.

What is a DSCR loan, and how is the ratio figured on a Carson City rental?

A DSCR (debt service coverage ratio) loan is business-purpose financing for investment property that the owner doesn't live in. You can't live in the home. The lender divides the monthly rent by the full monthly payment, called PITIA. PITIA stands for principal, interest, property taxes, homeowners insurance and HOA dues.

Lenders still check your credit, assets, reserves and the appraisal. Tax returns, W-2s and pay stubs are generally not required.

DSCR = monthly rent ÷ monthly PITIA

A ratio of 1.00 means the rent covers the payment exactly. Below 1.00, the rent falls short. The ratio uses gross rent, so vacancy, management and repairs aren't counted. Underwrite those costs on your own.

1.00 means the rent equals the payment.

The math works in both directions. These figures are simple arithmetic, not a quote.

Simple math: rent divided by the target DSCR.

Simple math: rent divided by the target DSCR.

Simple math: payment times 1.25.

You can run your own numbers on our mortgage calculators page. For the full program overview, see our main DSCR loans guide.

How do Carson City rents compare with owner costs?

Census medians show Carson City rent below the typical owner's mortgage cost. Here is how Carson City compares with Nevada as a whole on the measures that bear on a DSCR file.

Carson City rent runs $349 a month below the state median. The median home value runs $17,600 above it. For the full Census comparison, see our Carson City mortgage broker page.

Treat these numbers as a warning light, not a verdict. Two cautions apply:

• They are not a DSCR. The rent median covers every renter household, including older and smaller units. The owner-cost median mixes old and new loans. A specific single-family rental can rent above or below the median. A new purchase payment can also differ from the median owner cost.
• The direction still matters. In Carson City, run the ratio on the exact address before you write an offer.

What ratio floor matters for a Carson City deal?

It depends on the lender, because every DSCR lender sets its own rules. Many DSCR programs look for a ratio of 1.00 or higher. One lender we place loans with accepts ratios from 0.75 to 0.99 at a higher rate. Other lenders stop at 1.00. Some lenders offer a no-ratio option, which has its own down-payment and credit minimums and carries a higher rate still.

That spread can matter more when rent is tight relative to price. If the ratio comes in under 1.00, you have options:

1. Put more money down. A smaller loan lowers the payment and raises the ratio.
2. Choose a lender whose floor is below 1.00. Expect a higher rate.
3. Look at a no-ratio program if nothing else works. See no-ratio DSCR loans.
4. Ask about interest-only where a lender offers it. It raises the ratio, but you don't pay down principal during that period.
5. Buy down the rate. It costs cash at closing. Seller or builder credits can sometimes pay for it.
6. Pick a different property. Two homes at the same price can rent very differently.
7. Walk away if the deal only works on optimistic rent.

"You can close a DSCR deal with just about any problem as long as you put a bit more down. That's why we always tell clients the rate and down payment are tentative until the appraiser's value and rent come in."

David Ghazaryan, NMLS 1486726

Which Carson City areas and ZIPs do we lend in?

Neighborhoods and ZIPs we lend in include the Historic West Side, Lakeview and Timberline (89703), north Carson (89706), and Southeast Carson and Empire Ranch (89701), plus buyers in nearby Dayton and Minden-Gardnerville. The full list is on our Carson City mortgage broker page.

Price is half of the ratio. In June 2026, median list prices ran from $430,000 in 89701 to $820,000 in 89705 (NNRMLS data via Nevada Real Estate Group). The full ZIP table is on the same page. Run the ratio on the exact address.

How have Carson City home prices moved?

In August 2026, the median sold price was about $499,000, down about 7% from a year earlier. On October 31, 2026, the median asking price was $609,000, with 353 homes for sale and a median of 50 days to sell. Longer price history is on our Carson City mortgage broker page.

For a DSCR buyer, today's price and today's rent set the ratio. What a neighbor paid years ago doesn't.

Which Carson City costs go into the payment side of the ratio?

Property tax

Carson City's combined rate is about $3.57 per $100 of assessed value. Assessed value is 35% of taxable value. In Nevada, taxable value is often well below the sale price, so ask for the last tax bill on the parcel.

These figures are before any cap. Taxable value comes from the Carson City Assessor.

Here is the catch for a DSCR rental. Nevada's 3% cap on yearly increases applies to an owner-occupied primary home under NRS 361.4723 in NRS Chapter 361. Rentals generally fall under the higher general cap, though some rentals that meet low-income rent limits can still qualify for 3%. The Nevada Department of Taxation publishes the general cap factors each year.

If the seller lived in the home, the current bill reflects the primary-home cap. As a landlord, your bill can rise faster. Budget the tax line for later years, not just year one.

Insurance

You need a landlord policy, and the premium goes straight into PITIA. Get the quote early. In Carson City, West Side homes from the 1800s and early 1900s can raise appraisal and insurance questions, such as wiring and foundations. Some rural-edge homes have wells or septic systems.

HOA dues

HOA dues are part of PITIA, so include them when you run the ratio.

Transfer tax (cash at closing, not the ratio)

Carson City charges the state base rate of $1.95 per $500 of value. That is the lowest of Nevada's three rates (Nevada Department of Taxation, real property transfer tax; NRS Chapter 375). The contract decides who pays it.

Transfer tax doesn't change the monthly ratio. It changes your cash to close, which competes with the reserves a DSCR lender wants to see after closing. For our clients, closing costs on some non-QM loans run about $15,000, so plan the full cash picture. See closing costs by state.

How do older and manufactured Carson City homes affect a DSCR file?

Almost half of Carson City homes, 48.6%, were built before 1980. Statewide, the share is only 22.0%. The 1970s alone added 7,566 homes, about 30.1% of the city. An appraiser may flag old wiring, a worn roof or a failing foundation.

On a DSCR loan, the appraisal sets the two numbers that decide your loan: the value and the market rent. Condition questions come up in that same appraisal. We ask about the roof, heating and electrical early.

About 9.8% of Carson City homes are mobile or manufactured homes. That is close to twice the Nevada share of 5.2%. DSCR lenders set their own property rules. If the home is manufactured, tell us about the property and we'll check which lenders accept it.

Can a Carson City short-term rental qualify for a DSCR loan?

First, confirm the use is legal. Carson City adopted a short-term rental ordinance in 2026 for stays of 28 days or less. It requires:

• A $500 yearly business license
• A $25 application fee
• Safety and sanitation inspections
• Lodging tax

The Nevada Appeal reported that the ordinance takes effect November 1, 2026. Confirm the final terms with Carson City before you buy.

Next, ask how the lender counts the income. Some lenders accept an AirDNA income report, but they scrutinize it heavily. Many use long-term rent only. Given where Carson City's median rent sits, run the long-term rent number first.

Looking at Lake Tahoe instead? Incline Village is in Washoe County, and short-term rentals there need a Washoe County STR permit.

What does Carson City lending data say about purchases versus cash-out refinances?

Public HMDA data covers every mortgage application in Carson City, not only DSCR loans. It is still the best local picture of what happens to loan files. In 2025, 1,784 applications were filed and 15.5% were denied. The 2023 to 2025 trend is on our Carson City mortgage broker page.

In 2025, Carson City cash-out refinances were denied 18.0% of the time, compared with 8.9% for purchase applications. If you plan to pull equity from a Carson City rental, expect the file to get a close look.

How does a DSCR cash-out refinance work on a Carson City rental?

A cash-out refinance replaces your current loan with a larger one, and you take the difference as cash. The new, larger payment must still clear the lender's ratio floor. That means the ratio and the cash you take out pull against each other.

• Seasoning: at most lenders, at least 6 months on title, following Fannie Mae's rule. Some non-QM lenders allow cash-out right after an all-cash purchase. You must document the funds you used to buy.
• Reserves: at one of our lenders, cash-out proceeds can count toward the reserve requirement.
• Maximum loan-to-value: varies by lender and credit score. We quote it on your actual file.
• Your current loan: if it has a prepayment penalty, refinancing early may trigger it.

Compare the net cash after costs, not the gross. Buying a property that needs work first? See Nevada hard money loans and the bridge-to-DSCR path in BRRRR loans.

How do lenders set the rent on a Carson City DSCR appraisal?

The rent opinion usually comes on Fannie Mae Form 1007, the Single-Family Comparable Rent Schedule. The appraiser compares your property with nearby rentals.

Under the redesigned agency appraisal report (UAD 3.6), market rent moves into the report itself. UAD 3.6 is required for new agency appraisals submitted on or after November 2, 2026. DSCR lenders set their own requirements, so you may see either format.

Lenders also differ on which rent they use: - Some use the signed lease. - Some use the appraiser's market rent. - Some use the lower of the two.

Ask which rule applies before you pay for the appraisal. Send realistic rent comps before you offer, and provide every lease on a 2-4 unit property.

Should you compare Dayton, Minden-Gardnerville or Incline Village?

If you're also looking outside Carson City, each county has its own tax bill and its own rules, so run the ratio for each address separately. Dayton (Lyon County) is about 15 minutes east on US-50, and some homes there have wells and septic systems. Minden and Gardnerville are in Douglas County. Incline Village short-term rentals need a Washoe County STR permit. More on nearby towns is on our Carson City mortgage broker page.

Investing in the Reno area? See our Reno mortgage broker and Sparks mortgage broker pages.

Is a DSCR loan or a conventional loan better for a Carson City rental?

Choose conventional if your documented income carries the payment, you're under the property limit and you don't need an LLC. It is usually cheaper.

Choose DSCR if any of these apply: - Your returns understate your income. - Your debt-to-income ratio is maxed out. - You're past the 10-property limit. - You want to hold title in an entity.

Self-employed? Compare bank statement loans and our self-employed options. Own many rentals? See serial investor loans and blanket loans.

How do prepayment penalties fit your Carson City exit plan?

DSCR loans commonly carry a prepayment penalty, and you usually choose its length. Options at lenders we place loans with include 5, 4, 3, 2 or 1 year, or none. Each choice prices differently. Our clients pick 2 years most often. Read the prepayment rider in your note, and get each option in writing on the term sheet.

"One thing being a real estate investor has taught me is that getting a loan approved and making a good investment are two different things. I've seen investors spend weeks negotiating a purchase price and then barely examine the financing terms. They focus on the interest rate. I look at the entire transaction: cash invested, monthly carrying costs, reserves, prepayment penalties, and the exit strategy. A loan that saves you money today can become expensive if you need to refinance or sell before a prepayment penalty expires."

David Ghazaryan, NMLS 1486726

Why can a DSCR loan carry a penalty at all? Regulation Z limits prepayment penalties on most consumer mortgages. Credit extended mainly for a business purpose is exempt. That is also why DSCR loans are for investment property only.

Can you close a Carson City rental in an LLC?

Some DSCR lenders allow LLC vesting. The lenders we use for LLC closings always require a personal guarantee. Expect to provide:

• Articles of organization and the operating agreement
• The EIN letter (IRS: get an employer identification number)
• Proof the entity is in good standing with the Nevada Secretary of State

Set up the LLC before closing, not during underwriting. Late entity changes are a common cause of delays. Talk to your attorney and CPA about whether an LLC makes sense for you.

1031 exchange? A DSCR loan can finance the replacement property. You generally have 45 days to identify it and 180 days to close (IRS, like-kind exchanges). Give us your sale date and both deadlines on day one. This is general information, not tax advice.

What do real iQRATE DSCR files show?

We have not closed a Carson City file yet that we can share. Instead, here are real DSCR files from David's desk, as published on our DSCR page and in his own words. Most are Las Vegas files. One is an LLC refinance whose location isn't stated, and one is a Midwest rental owned by a Nevada investor's LLC. None is a Carson City closing. Names are removed and figures are rounded.

Las Vegas: the builder's lender said no

A client came to us after the financing on her brand-new Las Vegas investment property fell apart. To get the builder's incentives, she had to apply through the builder's preferred lender. She did, and the builder's lender denied her loan.

Because she had met the builder's requirement, the builder agreed to honor the incentives if she got outside financing. We arranged a DSCR mortgage based on the property's rental income and put the incentives toward a rate buydown. The resulting mortgage had a debt-service coverage ratio of about 1.00. We closed in less than three weeks.

"The lesson I took from that transaction is that a lender's denial doesn't necessarily mean a good investment opportunity is dead. Sometimes the solution is understanding the purchase contract, preserving the buyer's negotiating position, and choosing a financing program that fits the actual investment."

David Ghazaryan

Las Vegas: rent that covered only 83% of the payment

In fall 2023, an investor wanted to pull cash out of a Las Vegas condo rental with a DSCR loan. The rent covered only about 83% of the new payment, a DSCR of 0.83. The appraised value was $280,000, and low leverage did the heavy lifting. The cash-out refinance funded in fall 2023.

Las Vegas: two condos, one closing day

In fall 2024, a Las Vegas investor with five or more rentals bought two condos in the same southwest Las Vegas complex. Both closed on the same day. The appraiser's rent pushed the ratio down to 0.82, below 1.0. The loan stayed approved because the down payment and reserves carried it.

Las Vegas: a 200% debt ratio that did not matter

In fall 2023, a buyer with strong credit wanted a Las Vegas rental home priced near $420,000. Her income came mostly from capital gains and dividends. Under full-doc underwriting, her debt ratio came out above 200%. We looked at the house instead. The rent produced a DSCR of 1.18, and she closed on a DSCR loan of about $210,000 in fall 2023.

LLC refinance (location not stated): $130,000 low, and the loan still went up

In 2024, an investor was refinancing a rental owned in an LLC. We expected a $1 million value, but the appraisal came in at $870,000. The loan started at a small share of the value, so there was room to spare. We raised it from $400,000 to $435,000, and final pricing improved.

Midwest rental owned by a Nevada investor's LLC

A Nevada investor's LLC owned a $160,000 single-family rental in the Midwest. Many lenders won't touch a balance that small. We placed it with a small-balance DSCR program. The appraisal came in $50,000 high, with a DSCR of 1.45. The file went from submission to clear to close in 13 days.

Las Vegas: an investor from overseas

In spring 2023, a past client referred a foreign-national investor who wanted a Las Vegas rental home priced near $435,000. The buyer's funds sat in overseas bank accounts. We used a DSCR loan that qualifies on the home's rent and documented the funds with overseas bank statements. The purchase closed in spring 2023. See foreign national DSCR loans.

Real files. Names and details are removed, and figures are rounded to protect client privacy. Past results do not guarantee future outcomes. All loans are subject to credit approval.

How does a Carson City DSCR file move with iQRATE?

1. Send us the scenario: the address or area, price, expected rent, taxes, insurance quote, HOA dues and how you'll hold title.
2. We run the ratio conservatively, with full PITIA and realistic rent, so you know early whether the deal works.
3. We shop DSCR lenders, more than 100 on complicated deals once your application and documents are in. We get the key terms before you commit: ratio floor, down payment, rate, reserves, prepayment penalty and how rent is counted.
4. Application and credit. No tax-return package is needed.
5. Appraisal with rent analysis. We order it right away. Your rate and down payment are tentative until it comes back.
6. Underwriting: assets, reserves, insurance, entity documents and the final ratio from the appraisal.
7. Clear to close and funding.

"On a complicated deal, I'll personally email more than 100 lenders and sift through what comes back. It's a lot of work, so I do it once the client is committed, with a full application and documents in hand."

David Ghazaryan

The most common delays are a low appraised rent, a late insurance quote and LLC paperwork that isn't ready.

Lenders may ask for more. Ready? Apply now or schedule a consultation.

What should you ask any DSCR lender about a Carson City rental?

• What is your minimum DSCR, and which rent figure do you use: the lease, the appraiser's market rent or the lower of the two?
• Will you count short-term rental income under Carson City's 2026 ordinance, and what proof do you need?
• Do you lend on older homes, manufactured homes, homes with wells or septic systems, and 2-4 unit properties?
• Can I close in an LLC, and what personal guarantee do you require?
• What prepayment penalty options do you offer, and how does each one change the terms?
• How many months of reserves do I need, and can cash-out proceeds count?
• Is cash-out allowed right after an all-cash purchase, or is there a seasoning period?
• What is your NMLS number, and are you licensed in Nevada?

If a lender can't answer these in writing, keep shopping. There is no official ranking of DSCR lenders. The best one is the one whose guidelines fit your property.

Who reviews this page, and why work with a Nevada-licensed DSCR broker?

iQRATE Mortgages is a mortgage broker licensed by the Nevada Division of Mortgage Lending under NRS Chapter 645B. It is licensed in Nevada, California, Texas and Florida. The company is based in Las Vegas at 6360 S Rainbow Blvd. You can verify the company (NMLS 1862492) and David Ghazaryan (NMLS 1486726) on NMLS Consumer Access.

David has been a mortgage broker for more than 15 years. He is a real estate investor himself and has prepared more than 6,000 tax returns. So investor files get read the way an owner reads them: rent, taxes, insurance and HOA dues first, then the loan. Because we place loans with many DSCR lenders, a no from one lender's guidelines is often not the end of the deal.

Learn more about iQRATE, see how we work with real estate investors, or watch David's explainers on our videos page.

What do clients say about iQRATE Mortgages?

These are real 5-star reviews, quoted word for word. Most reviewers are from Las Vegas, Henderson and California. None is identified as a Carson City client. The reviews describe the iQRATE team overall, not DSCR loans in Carson City, and none is a promise about your loan.

"Andrei and David were so great! They're helpful and communicated everything with me through the whole process. I am so pleased and look forward to using iqrate for my future investment properties. 10/10 Will be reccomending to friends."

— Kassandra Arthur, review on Google

"Well I’ve known David for many years. His office prepares my taxes. I had been putting off buying a home since I am a 1099 sales person. I thought mortgages were for wage earners. Never really thought I would qualify. They I mentioned to him in a conversation that I couldn’t get a home, because of the type of income I have and all these reasons. In less than 10 minutes he had me qualified. Had to pay a couple of credit cards off, that was it, I own a home now. The only regret I have is not asking him sooner. This guy knows his numbers, taxes, rules and whatever else goes into that paperwork nightmare. Needless to say, I highly recommend him."

— garik 82 (Las Vegas, NV), 5-star review on Zillow

"We've been working with David's team for over 4 years now, they helped us get home loans and then refinance later when possible. Very responsive, always answer all our questions and concerns. When we had issues on our first home purchase with buyer, David quickly stepped in and had our back and helped us make the process as smooth as possible. Amazing team, super nice and just overall such a pleasure to work with. Thank you! Y'all are the best!"

— Margarita G. (Las Vegas, NV), 5-star review on Yelp

"I highly reccomend David. He treated my loan process in the same manner as he would of had if it's his own. David walked me through the process from the beginning to the end. He was always available when i called, even on weekends and holidays, especially when he had a family tragedy he still made my loan a priority and finished it on time as promised."

— Yelena M. (Henderson, NV), 5-star review on Zillow

"David and Andrei and team were very knowledgeable and really helped in the whole process. Even though the economy is going through a rough time they were able to explain every detail and really looked out for our best interest! I would highly recommend their team as they will find a way to get it done!"

— Lydia Z. (Menifee, CA), 5-star review on Yelp

Our ratings: Google 5.0 from 77 reviews. Yelp 5.0 from 51 reviews. Zillow 5.00 from 9 reviews. See more on our reviews page or David's Experience.com profile.

Carson City DSCR loan FAQs

Are DSCR loans available for rentals in Carson City, NV?

Yes. iQRATE Mortgages arranges DSCR loans on Carson City rentals that the owner doesn't live in, and on rentals across Nevada. The loan qualifies on the property's rent against its full monthly payment (PITIA), not on your tax returns.

Has iQRATE closed a DSCR loan in Carson City?

We have not closed a Carson City file yet that we can share. The case studies on this page are real files, each labeled with its location. Most are from Las Vegas. One is an LLC refinance whose location isn't stated, and one is a Midwest rental owned by a Nevada investor's LLC.

Does a typical Carson City rent reach a 1.00 DSCR?

The public data can't say for sure. The Census median gross rent is $1,248 a month, and the median owner cost with a mortgage is $1,874. Those medians are not a DSCR. The rent figure covers every renter household, including older and smaller units, and the owner-cost figure mixes old and new loans. They do suggest that many deals will turn on the specific address, a bigger down payment or a lender whose ratio floor is below 1.00. Run the ratio on the actual property.

Can a Carson City DSCR loan close with a ratio below 1.00?

Sometimes. One lender we place loans with accepts ratios from 0.75 to 0.99 at a higher rate, and others stop at 1.00. More money down or a different property is often the better route.

What transfer tax applies on a Carson City rental purchase?

Carson City charges $1.95 per $500 of value, Nevada's lowest rate. On a $499,000 home that is $1,946.10. The same home would cost $2,045.90 in Washoe County and $2,544.90 in Clark County. The contract decides who pays.

How is property tax figured on a Carson City rental?

The combined rate is about $3.57 per $100 of assessed value, and assessed value is 35% of taxable value. That works out to about $1,249.50 a year per $100,000 of taxable value, before any cap. Nevada's 3% cap applies to an owner-occupied primary home. Rentals generally fall under the higher general cap, though some rentals that meet low-income rent limits can still qualify for 3%.

Does Carson City's 2026 short-term rental ordinance affect a DSCR loan?

It can. The ordinance covers stays of 28 days or less. It requires a $500 yearly business license, a $25 application fee, inspections and lodging tax. It was reported to take effect November 1, 2026. Confirm the final terms with Carson City, and ask whether your lender counts short-term income at all.

Are older Carson City homes harder to finance with a DSCR loan?

They can raise more questions. About 48.6% of Carson City homes were built before 1980, compared with 22.0% statewide. Wiring, roofs, foundations, wells and septic systems can come up in the appraisal and the insurance quote, and both feed into the ratio.

Are cash-out refinances denied more often in Carson City?

In 2025 HMDA data, yes. Cash-out refinances were denied 18.0% of the time, compared with 8.9% for purchase applications. HMDA covers all loan types, not only DSCR loans.

Can I close a Carson City rental in an LLC?

With some DSCR lenders, yes, always with a personal guarantee. Expect to provide the articles of organization, the operating agreement, the EIN letter and proof of Nevada good standing.

Can I live in a home I buy with a DSCR loan?

No. DSCR loans are business-purpose loans only for investment property the owner doesn't live in. For a home you'll live in, see our Carson City mortgage broker page.

What if I'm buying in Dayton or Minden instead of Carson City?

Run the ratio on that address, using its own county tax bill and insurance quote. Dayton is in Lyon County, about 15 minutes east on US-50. Minden and Gardnerville are in Douglas County.

Why doesn't this page list DSCR rates?

Pricing changes daily. It moves with your credit, down payment, ratio, prepayment penalty, loan size and property type. Terms are confirmed in writing on the term sheet for your actual file.

Get started on your Carson City rental

Tell us about the property. We'll run the ratio, shop DSCR lenders and tell you plainly whether the deal works.

Get My Custom Rate Now · Call or text (702) 766-3744 · Schedule a free consultation

Related iQRATE pages

• Nevada mortgage broker
• Portfolio loans
• DSCR loans for 5-8 unit multifamily
• Non-QM loans
• P&L statement loans
• Refinance
• Guarantees
• FAQ
• Jumbo
• FHA loans
• VA loans
• First time home buyer
• Blog

Other Nevada cities iQRATE lends in

• Boulder City
• Henderson
• Las Vegas
• Mesquite
• North Las Vegas
• Pahrump
• Summerlin

Check your DSCR ratio

Talk with iQRATE about this loan

Apply now or contact us to get a quote on the property you have in mind. You can also schedule a call or book a call with David at (702) 766-3744. This is not a commitment to lend.

Sources

• U.S. Census Bureau, American Community Survey 2020-2024, Carson City and Nevada: rent, owner costs, home value, year built, mobile homes and owner occupancy.
• FFIEC HMDA Data Browser, Carson City, 2025; MortgageGrades summary of 2025 HMDA data for Carson City.
• Northern Nevada Regional MLS data via Nevada Real Estate Group: June 2026 ZIP list prices and August 2026 median sold price.
• Nevada Appeal, reporting on Carson City's 2026 short-term rental ordinance.
• Nevada Department of Taxation, real property transfer tax and NRS Chapter 375.
• Nevada Department of Taxation (tax rates and cap factors) and NRS Chapter 361 (NRS 361.4723 property-tax cap).
• NRS Chapter 645B, mortgage broker licensing.
• Fannie Mae Selling Guide B3-4.1-01, minimum reserve requirements.
• IRS, like-kind exchanges and IRS, get an employer identification number.
• Nevada Secretary of State (entity good standing).

Carson City market, tax and lending figures were checked November 1, 2026.

Licensing and disclosures

iQRATE Mortgages LLC · NMLS 1862492 · 6360 S Rainbow Blvd Ste 101, Las Vegas, NV 89118 · Licensed in NV, CA, TX and FL. Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726. Verify both licenses on NMLS Consumer Access (nmlsconsumeraccess.org). Call or text (702) 766-3744.

DSCR loans are business-purpose loans for investment property the owner doesn't live in. They are not for a home you or your family will live in. Not all borrowers qualify. Terms are subject to underwriting and can change without notice. Lender terms on this page are examples from lenders we place loans with, and the worked figures are arithmetic only. None is a rate quote, a loan offer or a commitment to lend. This page is not a commitment to lend. Programs are subject to credit, property and lender approval. Client stories are real, de-identified files from outside Carson City, and past results do not guarantee future outcomes. Nothing on this page is tax or legal advice. Equal Housing Opportunity. iQRATE Mortgages LLC NMLS 1862492. David Ghazaryan NMLS 1486726.