DSCR Loans in North Las Vegas, NV for Rental Property Investors

Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages, Company NMLS 1862492 · Last updated: November 11, 2026

Quick answer: A DSCR (debt service coverage ratio) loan is a mortgage for a rental property that qualifies on the property's rent compared with its full monthly payment (PITIA: principal, interest, property taxes, insurance, and HOA dues), not on your tax returns, W-2s, or debt-to-income ratio. It is business-purpose financing for non-owner-occupied investment property only. iQRATE Mortgages is based at 6360 S Rainbow Blvd, Suite 101, in Las Vegas, and places DSCR loans on North Las Vegas rentals.

Start your application or call (702) 766-3744. Any figure you see during a conversation with us is an estimate and not a commitment to lend.

5.0 stars from 77 reviews on Google and 5.0 stars from 87 reviews on Experience.com (October 2026). These are company-wide and broker-wide ratings across all of our loan types and markets, not a North Las Vegas-only rating.

What is a DSCR loan in North Las Vegas?

DSCR stands for debt service coverage ratio. It compares the income a rental property produces with the monthly cost of owning it. Instead of asking how much you personally earn, the lender asks whether the property can carry its own payment. That makes the product popular with self-employed buyers, investors with several properties, and anyone whose tax returns do not show the income they actually live on.

The basic formula is simple:

DSCR = gross monthly rent ÷ monthly PITIA

A result above 1.0 means the rent covers the full payment. A result below 1.0 means the rent falls short, and some lenders have programs for that, usually with other requirements attached. Each lender sets its own minimum, so ask us which programs fit your numbers before you make an offer. Lenders still check your credit, assets, reserves, and the appraisal.

Try the DSCR ratio calculator

How does the DSCR calculation work?

Work through it in three steps:

1. Estimate the rent. For a property that is already leased, the lender typically looks at the lease. For a vacant or newly purchased property, an appraiser's market-rent opinion is commonly used.
2. Add up the monthly payment. Principal and interest on the proposed loan, plus monthly property tax, insurance, and HOA dues if any. In North Las Vegas, also ask whether the subdivision carries a special improvement district (SID) assessment on the property tax bill, because it adds to the payment side.
3. Divide rent by payment. That quotient is the DSCR.

If the rent is greater than the payment, the ratio is above 1.0. If you are close to the line, small changes matter: a larger down payment lowers the payment, and a higher-rent unit raises the numerator. When you call us, bring the address, expected rent, and your target down payment and we will help you see which side of the line you land on.

What does the North Las Vegas rental market look like?

North Las Vegas is Nevada's fourth-largest city and one of its fastest-growing: the Census Bureau estimates 296,653 residents in July 2025, up 14.3% from the April 2020 base. Rents and prices drive the DSCR math, so these are the local reference points we use when we talk through a deal.

Source: U.S. Census Bureau QuickFacts, North Las Vegas city. Checked October 30, 2026.

On the sales side, North Las Vegas homes sold at a median of about $415,000 in mid-2026, with a median asking price near $425,000, roughly $55,000 below the Southern Nevada median of $470,000 (Las Vegas Realtors, September 2026). The median July 2026 sale closed at 100% of its final list price after 19 days on the market, according to the Nevada Real Estate Group September 2026 North Las Vegas report, which uses Las Vegas REALTORS MLS data.

What are North Las Vegas home values by ZIP code?

North Las Vegas is not one price point. Typical home values in the ZIP codes Zillow assigns to the city run from about $299,660 to about $500,633 in its September 2026 Home Value Index. The figure is a typical (middle-tier) value for single-family homes and condos together, so use it to compare neighborhoods, not as an appraisal.

Source: Zillow Research, ZHVI by ZIP code. Checked October 30, 2026. ZIP codes do not follow city lines, and parts of 89115 and some other ZIPs are unincorporated Clark County rather than the City of North Las Vegas.

For an investor, the spread matters. A lower purchase price in a ZIP such as 89030 means a smaller loan and payment against the rent; the far-north ZIPs with newer, larger homes carry higher values and usually higher payments. One third-party DSCR market guide describes the east valley, including North Las Vegas and Sunrise Manor, as a higher-yield, more management-intensive area, and puts single-family prices there at roughly $280,000 to $400,000 with rents of about $1,500 to $1,950 and cap rates of 6.5% to 8.0% (DSCR Authority, Las Vegas guide). Treat those as one outside estimate. Your own address, lease, and insurance quote are what a lender will use.

Nevada context from the same guide: no state income tax and a non-judicial foreclosure process that the guide describes as about 120 days. Confirm legal and tax questions with your own attorney or CPA; we are a mortgage broker, not your legal or tax advisor.

What do listings and sales by ZIP code tell a rental investor?

Zillow's index smooths the market, while sale data shows what a buyer actually faces. The Nevada Real Estate Group's September 2026 North Las Vegas report, built from Las Vegas REALTORS MLS data, counted 1,037 active listings on September 15 and 249 closings in July. Of the active listings, 445 (42.9%) had at least one price cut, with a median cut of $11,000 (2.9%). The July median sold price was $415,000 ($425,000 for single-family homes and $319,995 for condos and townhomes), the median sold price per square foot was $230, 42.6% of July sales closed below list, and 25.3% closed above it. For a rental buyer, the price you actually pay sets the loan size and therefore the payment you divide the rent by, so settled prices matter more than asking prices.

Source: Nevada Real Estate Group, North Las Vegas market report, September 2026. Checked October 30, 2026.

Two details matter for a rental purchase. First, the $175,000 median ask in 89030 reflects a board with many manufactured and small-lot listings next to older site-built homes, and lenders treat manufactured homes differently, so confirm the property type before you write an offer. Second, Aliante's 89084 has the most listings (251) and the highest share of price cuts (52.2%), which is where a negotiated price or a seller credit is most realistic. The Federal Housing Finance Agency publishes a House Price Index if you want to see how Las Vegas-area prices have moved over a longer period.

North Las Vegas is the least expensive of the larger valley cities at the settled median and the quickest to sell. For an investor, that means the competition is in the $400,000s, the widest choice is in the $300,000s, and the financing needs to be lined up before you shop. If you are comparing cities for a rental, our North Las Vegas mortgage broker page covers owner-occupied buyers, and you can call (702) 766-3744 to talk through a rental scenario.

What do public rent benchmarks say for North Las Vegas?

A DSCR loan compares the rent a property earns with its full monthly payment. A ratio of 1.0 means the rent covers the payment exactly. Many lenders look for a ratio between 1.0 and 1.25, and some allow less with a larger down payment, so ask which program fits your numbers. For long-term rentals, HUD's Fair Market Rents for the Las Vegas-Henderson-North Las Vegas metro area give a public benchmark. The appraiser's rent schedule for the specific home is what a lender actually uses.

Fair Market Rents are a 40th-percentile gross rent, meaning rent plus utilities, for the whole metro area. A newer three- or four-bedroom home in Aliante or the far north may rent above the benchmark, and an older central home may rent below it. The Census Bureau's 2020-2024 median gross rent for the city was $1,705, from the American Community Survey. Use these figures as a sanity check on the rent you expect, then rely on the lease or the appraiser's comparables when the lender calculates your ratio.

How do North Las Vegas property taxes and assessments change a DSCR?

Property tax is a line in PITIA, so it moves the denominator of your ratio. North Las Vegas has one of the higher property-tax rates in Clark County: $3.3544 per $100 of assessed value for fiscal year 2026-2027, unchanged for three years. Nevada assesses 35% of a property's taxable value, and the Assessor's taxable value is often well below the price you pay, because land is valued separately and improvements are valued at replacement cost less depreciation. The table puts the rate next to nearby districts and shows what the rate alone works out to per $100,000 of taxable value before any cap.

Source: Clark County Treasurer, tax rates by district, FY 2026-2027, and NRS 361.4723 for the cap. You can check the rate for your district on the Clark County Treasurer site and look up a parcel, its taxable value and whether it sits in the city on the Clark County Assessor site. Checked October 30, 2026.

Your actual bill is usually lower than rate times price, for two reasons. First, the Assessor's taxable value is not the sale price. Second, Nevada's cap under NRS 361.4723 limits how fast a bill can rise: 3% a year on a primary residence, and up to 8% on rentals and other property. New construction gets no cap in its first year, so buyers in the newest Tule Springs and far-north subdivisions should expect a larger change after the first full assessment. For a DSCR, the rental cap matters because the tax line can rise faster than it would on an owner-occupied home. Ask the title company for the current bill before you finalize the ratio.

Some newer North Las Vegas subdivisions were built with streets, sewers or other infrastructure financed through a special improvement district. The owner repays a share through an assessment billed with, or alongside, the property tax. For a lender it works like part of the monthly housing cost, so it lowers your ratio. It can usually be paid off early. We pull the title report early so the assessment is in your numbers before you write an offer, not discovered in underwriting.

What do lenders look at on a DSCR loan?

Every lender writes its own guidelines, and iQRATE does not publish a single set of minimums on this page. Here are the terms to expect in any DSCR conversation and what each one means:

• DSCR minimum. The lowest rent-to-payment ratio a program accepts. Some programs accept ratios below 1.0 with other conditions.
• Loan-to-value (LTV) and down payment. LTV is the loan amount divided by the property value. A larger down payment lowers LTV and the monthly payment, which helps the ratio. One third-party guide notes strong DSCR results at 75% LTV when rents are current.
• Credit score. Your score is reviewed, and it affects which programs and pricing are available.
• Loan amount. Each program sets its own minimum and maximum loan size.
• Reserves. Many programs ask for several months of the property payment in liquid funds after closing.
• Seasoning. On a refinance, programs may look at how long you have owned the property before they count a new value or allow cash out.
• Prepayment terms. Some investor loans carry a prepayment penalty if you pay off or refinance early. Ask for it in writing.
• Interest-only and adjustable-rate options. Some programs offer interest-only periods or adjustable rates. Interest-only lowers the early payment but does not pay down principal.
• Points and origination charges. These appear in section A of the Loan Estimate and vary by lender.
• Days to close. Timelines depend on the lender, the appraisal, and how fast your documents arrive.
• Debt-to-income ratio. DSCR programs are built so the property's rent, not your personal DTI, is the main qualifier.

We do not quote rates, points, or closing timelines on this page because they change with the market and with each borrower's file.

Who are DSCR loans a good fit for?

• Investors buying a rental house, condo, or townhome in North Las Vegas who want to close without a full personal-income review.
• Self-employed owners and 1099 earners whose write-offs lower the income on their returns.
• Portfolio builders adding a second, third, or later rental who are approaching limits on conventional financing.
• Owners of an existing rental who want to refinance based on the property's rent.

DSCR loans are for investment property, not for a home you will live in. If you plan to occupy the property, call us at (702) 766-3744 and we will talk through other loan options.

What property types can be financed?

Lender guidelines differ, so confirm the specifics for your deal. In general, investor programs commonly cover:

• Single-family rental homes
• Condominiums and townhomes
• Two- to four-unit properties
• Both purchases and refinances, including cash-out refinances on properties you already own

Short-term rentals, mixed-use buildings, and unusual property types are treated differently from lender to lender, so tell us how you plan to operate the property at the start. A "North Las Vegas" mailing address is also not always inside the city limits. The answer changes the tax rate and, for investors, the short-term rental rules, so confirm the jurisdiction before you write an offer.

Can you count short-term rental income on a North Las Vegas DSCR loan?

Most investors underwrite North Las Vegas homes as long-term rentals, because short-term rentals here depend on a permit that is not automatic. North Las Vegas Ordinance 3127 (June 2022) allows short-term rentals only with approvals that stack up before a business license is issued. Read the City of North Las Vegas rules before you buy, because a seller's claim that a home is "Airbnb approved" does not transfer an approval to you.

If a short-term rental permit is part of your plan, we size the loan on long-term rent and treat any short-term income as upside, unless you already hold the approvals. Parcels with a North Las Vegas mailing address that sit in unincorporated Clark County fall under county rules instead, which the county explains on its short-term rental page. Confirm the jurisdiction on the Assessor's parcel record before you assume anything about nightly rentals. If you are not sure how a lender will treat your plan, call (702) 766-3744 and schedule a call before you go under contract.

What should an investor know about each North Las Vegas area?

Neighborhood descriptions are general and for orientation only. We do not steer buyers to or away from any area, and every loan is underwritten on the same rules wherever the property is.

What documents does a DSCR loan require?

The paperwork is lighter than for a conventional loan, but it is not nonexistent. Expect to provide:

• Government-issued ID and the entity paperwork if you are buying through an LLC
• The purchase contract, or your current mortgage statement for a refinance
• A lease agreement for any leased property, or a market-rent appraisal
• Proof of funds for the down payment, closing costs, and reserves where required
• Homeowners or landlord insurance quote or declarations page, and HOA information when applicable

Credit is reviewed, and your score and down payment affect which programs and pricing are available.

DSCR loans versus conventional investment loans

Neither path is better in every case. If you can document income comfortably, a conventional loan may be worth comparing. If you cannot, or would rather keep your personal returns out of the file, DSCR is the alternative to ask about.

Which investor loan fits a North Las Vegas rental?

For deeper detail on the neighboring programs, see our Nevada hard money loans and serial investor loans pages. DSCR, hard money, bridge and other investor programs are for non-owner-occupied investment properties, not for a home you or your family will live in.

If you want to compare a conventional route before you decide, Fannie Mae's Selling Guide publishes the agency rules on rental income, minimum reserve requirements, multiple financed properties for the same borrower and cash-out refinance transactions. Those are conventional agency rules. A DSCR program sets its own, so treat the Guide as a comparison point rather than the DSCR rulebook.

Can you house hack a duplex to fourplex instead?

If you will live in one unit, FHA lets you buy a two- to four-unit property with 3.5% down, and lenders can count projected rent from the other units to help you qualify. Three- and four-unit FHA purchases must also pass a self-sufficiency test, in which net rent must cover the full payment. VA allows up to four units for eligible veterans who live in one. Older central North Las Vegas has most of the city's small multifamily stock. HUD explains the basics on its FHA loans for buyers page, and the full FHA rulebook is HUD Handbook 4000.1. That path is for a home you occupy. If you are buying purely as an investor, DSCR is the product to compare.

What are the 2026 loan limits for a North Las Vegas rental?

Conforming limits apply to conventional loans that agencies buy. In 2026 the conforming limit for a one-unit home in Clark County is $832,750, and Clark County is at the national floor for FHA limits, set at 65% of the conforming limit. In North Las Vegas, where almost every home sits below $541,287, the limit is rarely the issue; the property condition, the HOA, any special assessment and your ratio are. A DSCR program sets its own minimum and maximum loan size, so ask us which programs fit your price. If you are buying above the conforming limit, see our North Las Vegas jumbo loans guide.

Source: FHFA, conforming loan limit values for 2026 and HUD Mortgagee Letter 2025-23 for the FHA figures. Checked October 30, 2026.

What closing costs and transfer tax should an investor expect?

Clark County's real property transfer tax is $2.55 per $500 of value, rounded up to the next $500. By local custom the seller pays it in Southern Nevada, but the purchase contract controls, and buyer and seller are both liable under state law if it goes unpaid. The Nevada Department of Taxation explains the tax on its real property transfer tax page.

Closing costs are what it costs you to get the loan, such as origination, discount points, appraisal, escrow and title. Cash to close also includes your prepaids and your down payment. Prepaids are your own bills paid ahead, not a cost of the loan. Non-QM and investor loans vary more than conventional loans, so we put your costs in writing for your specific file. See how Nevada compares with other states on our closing costs by state page, or contact us for a written estimate.

How do taxes and rental income reporting fit with a DSCR purchase?

A DSCR loan keeps your personal returns out of the qualifying decision, but you still report the rental on your return. An owner who reports rental income on a personal return generally uses Schedule E, which the IRS explains on its About Schedule E (Form 1040) page. If you are selling one property to buy another, the IRS also publishes tax tips on like-kind exchanges of real estate; whether an exchange fits your plan is a question for your CPA or attorney, not for a mortgage broker.

I have prepared more than 6,000 tax returns since I founded a tax practice in 2008, so I am used to reading how write-offs, depreciation and a business structure change what a return shows. That background is why self-employed investors often come to me first: a return that understates income on paper can still describe a property that carries its own payment. I am a mortgage broker, not your tax advisor, and I will tell you when a question belongs with your CPA.

Why work with a broker for a North Las Vegas DSCR loan?

A single bank offers a single set of DSCR guidelines. A broker can compare more than one lender's investor programs for the same property. That matters because minimum DSCR, down payment, prepayment terms, and property-type rules vary between programs. iQRATE works with more than 100 banks and private lenders, including non-QM and investor lenders, and places conventional, FHA, VA, jumbo, DSCR, bank statement, asset depletion, hard money, and portfolio loans from one office.

David Ghazaryan is the owner and broker of iQRATE Mortgages. He entered the mortgage industry in 2005 and founded a tax practice in 2008, where he has prepared more than 6,000 tax returns. He is also a real estate investor, so rental files get looked at the way an owner looks at them: rent, taxes, insurance, and HOA dues first, then the loan. Our office at 6360 S Rainbow Blvd, Suite 101, in Las Vegas is about a 25-minute drive from central North Las Vegas.

On consumer home loans, federal rules limit how loan originators are paid. Under Regulation Z, a broker's compensation cannot be based on your interest rate or other loan terms, and a broker cannot be paid by both you and the lender on the same loan (CFPB, 12 CFR 1026.36). Consumer home loans also come with a Loan Estimate within 3 business days of a full application (CFPB, 12 CFR 1026.19), and the CFPB's Loan Estimate explainer walks through each section. A DSCR loan is business-purpose financing, so the disclosures you receive can differ. Either way, ask for written terms and compare quotes collected on the same day, line by line.

You can verify our licenses on NMLS Consumer Access: iQRATE Mortgages, 1862492 and David Ghazaryan, 1486726. Nevada mortgage brokers are supervised by the Nevada Division of Mortgage Lending.

When you are ready, apply now through the application page linked below or call (702) 766-3744. For a statewide overview of the product, see our main DSCR loans page. Buying a home to live in instead? See our North Las Vegas mortgage broker page.

How does a North Las Vegas rental loan work with iQRATE, step by step?

Timelines depend on the lender, the appraisal and how fast your documents arrive, so we give you a realistic date for your file rather than a promise. You can read how Clark County handles recorded documents on the County Recorder's land documents page.

What common problems come up on North Las Vegas rental loans?

What do I look at first on a North Las Vegas rental file?

In my experience, most loans that fail fail on paperwork, not credit. On a rental purchase I start with five lines: the rent, the property tax, the insurance, the HOA dues and any special assessment. Ask for both associations' dues and any special assessment before anyone writes an offer. The second thing I check is the lease or the appraiser's rent opinion, because the ratio is only as good as the rent the lender will accept.

I send my clients to public sources for the facts I cannot control: the Clark County Assessor for the parcel and its taxable value, the Clark County Treasurer for the tax rate in your district, and the Census Bureau for local income, rent and home-value data. Then we run the ratio together. If the property falls short, I would rather tell you now and show you what a larger down payment or a different program would change than let you find out in underwriting. When you are ready to get a quote on a specific property, bring the address and the rent. You can also contact us by phone at (702) 766-3744.

What documents does an investor bring for a North Las Vegas rental loan?

Credit is reviewed, and your score and down payment affect which programs and pricing are available. If you would like help organizing the package, schedule a call at (702) 766-3744 or get pre-approved for a rental purchase by starting with the scenario questions above.

What do investors say about working with David?

The reviews below come from other markets and loan types, not from reviewers in this city. They are quoted exactly as posted. More are on our reviews page.

"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, Google review (investment property). Other-market review; not a review from this city.

"David handled the purchase of my investment duplex in Olympia - Washington State. He came recommended by my realtor, and was very attentive, closed on time, and communicated clearly."

Nnamdi Chima, Zillow review (investment duplex purchase, Washington). Other-market review; not a review from this city.

"David helped me to purchase my investment home earlier this month. Very happy I was referred to him by my real estate agent. He started from tax advice on how to file to easily qualify and ended with a congratulatory call when the loan funded."

Samvel Harutyunyan, Zillow review (conventional investment purchase). Other-market review; not a review from this city.

Our public profiles show 5.0 stars from 77 reviews on Google, 5.00 on Zillow (9 reviews), 5.0 on Yelp (51 reviews), and 5.0 stars from 87 reviews on Experience.com. These are company-wide figures across all loan types and markets.

What should I prepare before I call?

1. The property address, or the area and price range you are shopping.
2. Your expected monthly rent, and a copy of the lease if the property is occupied.
3. Your target down payment and approximate credit profile.
4. Whether you will buy in your own name or through an LLC.
5. Whether this is a purchase, a rate-and-term refinance, or a cash-out refinance.

With those five answers we can tell you quickly which programs are worth pursuing.

Frequently asked questions about DSCR loans in North Las Vegas

Do I need tax returns for a DSCR loan?

DSCR programs generally qualify the property by its rent rather than your personal income, so tax returns and pay stubs are generally not the basis for approval. Lenders still review credit, assets, and the property itself.

Can I use a DSCR loan to buy a home I will live in?

No. DSCR financing is meant for investment properties. If you plan to occupy the home, ask us about other loan options.

What DSCR do I need to qualify?

The minimum varies by lender and program. A ratio above 1.0 means the rent covers the full payment, and some programs accept lower ratios with other conditions. Call us with your property's rent and payment and we will tell you which options apply.

Can I buy through an LLC?

Many investor programs allow purchases in an entity name, with additional entity documents. Tell us at the start so we can choose a program that accepts your structure.

Does iQRATE publish DSCR rates on this page?

No. Rates and terms depend on the program, credit, down payment, and property, and they change over time. We will give you a quote based on your actual scenario, and any figure is not a commitment to lend until a lender issues a written approval.

How is the rent determined for a property I am buying?

For a leased property the lender typically uses the lease. For a vacant property, an appraiser's market-rent opinion is commonly used. Requirements differ by program.

Can I refinance a North Las Vegas rental with a DSCR loan?

Yes, DSCR programs commonly include both rate-and-term and cash-out refinances on investment property. Eligibility depends on the lender, the property, and how long you have owned it.

How many rental properties can I finance this way?

Because the property qualifies on its own rent, DSCR financing is often used by investors who are growing a portfolio. Limits, if any, are set by each lender's guidelines.

What does PITIA include in a DSCR loan?

PITIA is principal, interest, property taxes, homeowners or landlord insurance, and any HOA dues. In North Las Vegas, a special improvement district assessment on the tax bill also adds to the monthly cost, so ask about it for newer northern subdivisions.

Does a DSCR loan have a prepayment penalty?

Some investor programs do. Prepayment terms vary by lender, so ask for them in writing before you commit and compare them across quotes.

Can I get an interest-only DSCR loan?

Some programs offer interest-only periods and some offer adjustable rates. Availability depends on the lender and your file. Interest-only lowers the early payment but does not pay down the balance.

Does the North Las Vegas ZIP code change my DSCR?

Indirectly. Prices and rents differ by area, from a typical home value near $299,660 in 89030 to about $500,633 in 89085 (Zillow, September 2026), and your loan amount, insurance, taxes, and any assessments all feed the payment side of the ratio.

Who usually pays the Clark County transfer tax on a North Las Vegas purchase?

By local custom the seller pays it in Southern Nevada, but the purchase contract controls and the cost is negotiable. The tax is $2.55 per $500 of value, rounded up, which works out to $2,116.50 on a $415,000 sale.

How does North Las Vegas property tax compare with nearby cities?

For fiscal year 2026-2027 the North Las Vegas rate is $3.3544 per $100 of assessed value, compared with $3.2782 in the City of Las Vegas and $2.9613 in Henderson. Nevada caps yearly increases at 3% on a primary residence and up to 8% on rentals, so the tax line in a rental's PITIA can rise faster than on an owner-occupied home.

Can I count short-term rental income to qualify on a North Las Vegas DSCR loan?

Usually not unless you already hold the approvals. North Las Vegas short-term rentals need a conditional use permit before a business license, spacing from other short-term rentals and resort hotels, and a notarized HOA authorization letter. We typically size the loan on long-term rent and treat nightly income as upside.

Is every North Las Vegas mailing address inside the city?

No. Some parcels with a North Las Vegas mailing address, including parts of 89115, sit in unincorporated Clark County. The answer changes the tax rate and the rental rules, so confirm the jurisdiction on the Assessor's parcel record before you write an offer.

What public rent benchmark can I use for a North Las Vegas rental?

HUD's FY 2026 Fair Market Rents for the Las Vegas-Henderson-North Las Vegas area are $1,735 for two bedrooms, $2,413 for three bedrooms and $2,764 for four bedrooms, and the Census median gross rent for the city is $1,705. They are a sanity check only. The lease or the appraiser's rent opinion is what a lender actually uses.

Can I use an FHA loan to buy a duplex and live in one unit?

Yes, an owner-occupant can use FHA on a two- to four-unit property, up to $693,050 for two units in Clark County in 2026, and lenders can count projected rent from the other units. That is an owner-occupied loan. A DSCR loan is only for investment property you will not live in.

How do I get started?

Use the application page or call (702) 766-3744 to talk through your scenario with David Ghazaryan. You can also read more about David's background.

Talk to a North Las Vegas DSCR loan broker

If you are looking at a North Las Vegas rental, bring the address and the numbers and we will tell you honestly whether a DSCR loan fits. Apply now or call (702) 766-3744. Part of our Nevada mortgage broker coverage.

Disclosures: iQRATE Mortgages, Company NMLS 1862492. David Ghazaryan, NMLS 1486726. Phone (702) 766-3744. Equal Housing Opportunity. This page is for information only and is not a commitment to lend. All loans are subject to credit approval, property eligibility, and lender guidelines. Rates, terms, and program availability are subject to change without notice.