Investment Property Loans for Real Estate Buyers in Las Vegas

Investor loans, also called non-owner-occupied mortgages, are used to finance properties you don’t intend to live in. These include:

• Single-family rental homes
  Multifamily properties (2 to 4 units)
• Condos and townhomes
• Short-term rentals (Airbnb or VRBO)
• Fix and flip opportunities
• Mixed-use properties with residential space

Unlike primary residence mortgages, investment loans have stricter qualifications but open the door to wealth-building through rental income, appreciation, and tax benefits like depreciation and 1031 exchanges.

Fix and Flip Loans

Short-term financing based on after-repair value (ARV), perfect for investors looking to renovate and sell quickly.

• Interest-only payments
• Fast funding, often in 7 to 10 days
• Based on ARV, not just current condition

Portfolio Loans

Great for investors with 5 or more properties or LLC ownership structures. We offer access to lenders who understand portfolio growth.

• Blanket loans available
• Can include multiple properties in one loan
• Less restrictive than traditional lending

DSCR Loans (Debt-Service Coverage Ratio)

Perfect for rental property investors, DSCR loans qualify you based on the property’s income, not your personal DTI. No W2s or tax returns needed in most cases.

• Ideal for self-employed or full-time investors
• Fast closings with minimal documentation
• Property must generate enough rental income to cover PITIA

Conventional Investor Loans

Traditional financing with competitive rates for borrowers with strong credit and down payments.

• Minimum 15 to 20 percent down payment
• 620 or higher credit score (higher preferred)
• Eligible for 1 to 4 unit properties

You may benefit from an investor loan if you're:

• A landlord building long-term passive income
• A short-term rental host scaling up Airbnb or VRBO units
• A flipper renovating undervalued homes for profit
• A self-employed borrower unable to qualify through traditional DTI
• Expanding a real estate LLC or trust
• Seeking cash-out refinance to reinvest

With over a decade helping Nevada-based investors, The Maltese Group understands the unique strategies and challenges of real estate investing.

• Local insight across zip codes like 89135, 89129, and 89052
• Access to both traditional and private lenders
• Customized investor loan options you won’t find at big banks
• Speed. We fund in as little as 10 days in many cases
• Licensed mortgage advisors with real-world investment experience

Credit Score

• DSCR or Portfolio: 640 or higher minimum (higher may improve rate)
• Conventional: 700 or higher preferred
• Fix and flip: Case by case

Ownership Structure

• You may title the property in your personal name, an LLC, or a trust (loan structure will adjust accordingly)

Down Payment

• Conventional: 15 to 25 percent depending on units and occupancy
• DSCR: 20 percent or more common
• Flips: As low as 10 percent of purchase price

Cash Reserves

• Typically 6 to 12 months of mortgage payments
• May be waived with strong rental history or asset documentation
  
  

Property Condition

• DSCR and conventional loans require rent-ready condition
• Fix and flip loans accept distressed or unfinished properties