Mortgages for Real Estate Investors, From a Broker Who Invests Too

iQRATE Mortgages (NMLS 1862492) arranges DSCR, bank statement, cash-out and jumbo loans for real estate investors in Nevada, California, Texas and Florida. Flipping in Nevada? See our Nevada hard money loans. We're run by an investor, we compare more than 100 lenders, and our affiliated tax company, iQTAXX, offers Zoom tax and cost segregation consults in every state we serve.

5.0 stars from 87 reviews on Experience.com (October 2026) · Read David's reviews on Experience.com

By David Ghazaryan, Mortgage Broker (NMLS 1486726), iQRATE Mortgages

Why investors work with iQRATE

• Run by an investor. David Ghazaryan invests in real estate himself, so we look at your deal the way an owner does: cash flow, reserves and your exit plan.
• Tax-aware financing. We know how write-offs affect approval, and when a DSCR or bank statement loan works better than a loan based on tax returns.
• Faster closings. Our own condition-tracking technology keeps lender conditions organized and cleared quickly, so your file spends less time waiting.
• More than 100 lenders. DSCR, bank statement, P&L, asset depletion, foreign national, interest-only, jumbo and portfolio loans.

Loans for real estate investors

• DSCR loans: qualify on the property's rent instead of your personal income.
• Bank statement loans: qualify on business or personal deposits if you're self-employed.
• Non-QM loans: asset depletion, foreign national, interest-only and other flexible programs.
• Refinance and cash-out: pull equity out of a property to fund your next purchase.
• Jumbo loans: larger loans above your county's conforming limit.

Tax and cost segregation consults with iQTAXX

iQTAXX, an affiliated tax services company, offers Zoom consultations for investors in Nevada, California, Texas and Florida. Typical topics:

• Whether a cost segregation study may fit a property you own or are buying
• How depreciation and write-offs affect your mortgage approval
• Planning your next purchase or refinance around your tax picture

iQTAXX uses legal tax strategies only. Consults are optional, and you can work with your own tax professional instead.

Nevada and Las Vegas: one team for buying, financing and taxes

In Las Vegas, investors can work with three affiliated companies on one coordinated plan:

• Red Rock Realty, a Nevada-licensed real estate brokerage in Las Vegas, finds and negotiates investment properties.
• iQRATE Mortgages finances the purchase or refinance.
• iQTAXX handles tax planning and cost segregation consults.

You're never required to use all three, and you can bring your own agent. See our Las Vegas mortgage broker page for local loan limits, taxes and rental rules.

Investing in California, Texas or Florida

Outside Nevada, iQRATE arranges your financing and works with your own real estate agent. iQTAXX consults are available by Zoom. State guides:

• Nevada mortgage broker
• California mortgage broker
• Texas mortgage broker
• Florida mortgage broker

How a deal works with us

• Strategy call: your goals, budget and the right financing path.
• Pre-approval on the program that fits, such as DSCR, bank statement or conventional.
• Property search with your agent (or Red Rock Realty in Las Vegas).
• Underwriting and closing, with conditions tracked by our in-house technology.
• Optional tax and cost segregation consult with iQTAXX.

Investor FAQs

Do you have to be an experienced investor to work with you?

No. We work with first-time investors buying their first rental and with experienced investors growing a portfolio.

Can I buy a rental property in an LLC?

Many DSCR lenders allow closing in an LLC, usually with a personal guarantee. We'll tell you which lenders allow it for your deal.

Will my tax write-offs hurt my mortgage approval?

They can on a loan that uses tax returns. DSCR loans qualify on the property's rent, and bank statement loans use deposits, so write-offs matter less.

How many properties can I finance?

Conventional loans limit how many financed properties you can have. Many DSCR and portfolio lenders don't have the same cap.

What is a cost segregation consult?

A conversation with iQTAXX about whether a cost segregation study and accelerated depreciation may fit your property and your tax situation. It's held over Zoom and available in every state we serve.

Do I have to use your affiliated companies?

No. You can use iQRATE for your loan with any real estate agent and any tax professional.

Do you work outside Nevada?

Yes. iQRATE arranges loans in Nevada, California, Texas and Florida, and iQTAXX consults are available by Zoom in all of them.

How do you close faster?

We use our own condition-tracking technology to organize and clear lender conditions quickly, which cuts back-and-forth during underwriting. Every file is different, so we don't promise a specific number of days.

Talk to us about your next deal

Call (702) 766-3744 or start with our DSCR loan guide.

Disclosures

Affiliated business arrangement: iQRATE Mortgages LLC, Red Rock Realty LLC and iQTAXX Tax Services Las Vegas are affiliated companies. A referral from one to another may give the referring company a financial or other benefit. You are not required to use any affiliated company as a condition of buying, selling or refinancing a property or preparing your taxes, and you're free to shop around for other providers. Read the full Affiliated Business Arrangement Notice.

Tax information on this page is general and isn't tax, legal or investment advice. iQRATE Mortgages doesn't give tax advice. Talk to your tax professional about your situation.

iQRATE Mortgages LLC, NMLS 1862492. Licensed in Nevada, California, Texas and Florida. Equal Housing Opportunity. Not a commitment to lend; programs and terms vary by lender.

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