They say what happens in Vegas stays in Vegas, but for savvy real estate investors, the returns definitely don’t.
Nevada, home to the entertainment capital of the world and one of the fastest-growing states by population, is more than just bright lights and blackjack tables. From booming short-term rental markets in Las Vegas to the steady long-term appeal of cities like Reno and Henderson, Nevada offers a dynamic landscape for international real estate investors looking to build wealth in the US.
Whether you’re targeting Las Vegas’s vacation rental crowd or Reno’s stable year-round tenants, HomeAbroad DSCR loans help create positive cash flow and set you up for long-term success.
DSCR Loan Nevada Snapshot
No US Credit History
US Income and Credit History Not Required
Minimum Down Payment
25%
Maximum Loan Amount
$10M
Fast Track Closing
27 Days
DSCR Loan Nevada Program Terms
Feature
HomeAbroad DSCR Loan
DSCR Ratio
Best terms typically apply at DSCR ≥ 1.0. If DSCR is below 1.0, the loan may still be eligible with a higher down payment. Our No-Ratio DSCR option (DSCR 0 to 1) can support foreign national investors buying properties with clear income upside, even when the property’s rent does not fully cover the monthly payment.
US Credit Score
Not required for foreign nationals
Loan Amount
$100K – $10M
Down Payment
25%
LTV
Up to 75% (Purchase) Up to 75% (Rate and Term Refi) Up to 70% (Cash-Out Refi)
Cash Reserves
6 months
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Valid Passport
Current passport from your home country
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Proof of Funds
Bank statements showing down payment + 6 months reserves
Table of Contents
What is a DSCR Loan and How to Calculate It?
A DSCR (Debt Service Coverage Ratio) loan qualifies you primarily based on the property’s rental income instead of personal income.
Unlike traditional mortgages that rely heavily on personal income documentation, HomeAbroad DSCR underwriting is centered on:
Rent support that is defensible
The full monthly payment, including taxes, insurance, and HOA where applicable
Reserves and leverage that match the risk profile of the deal
The distinction here is important. DSCR is not a “rent is high” story. It is a “rent covers the full payment” story.
Here is a simple formula to calculate DSCR Ratio –
I recently worked with a client interested in purchasing a rental property in Las Vegas, Nevada. He wasn’t sure if his rental property would generate enough income to qualify for a DSCR loan, so we broke down the numbers together.
With a DSCR of 1.16, the property demonstrated strong rental income coverage, making it an excellent candidate for a DSCR loan with competitive loan terms.
While a DSCR of 1.0 or higher is ideal, indicating the property’s rental income fully covers the mortgage, HomeAbroad offers flexible options for investors. For properties with a DSCR between 0 and 1, we offer No-Ratio DSCR loans for situations where the rental income may not cover the mortgage at all.
Just keep in mind: No-Ratio DSCR loans typically require a higher down payment (a 5% hit to LTV) and a higher interest rate to offset the increased risk.
“For Nevada DSCR loans, we underwrite the full payment reality early, especially HOA and insurance. If DSCR is tight on day one, you want margin for the costs that move after you go under contract.”
Benefits of DSCR Loans in Nevada
DSCR loans offer several advantages for foreign nationals investing in Nevada:
1. Qualify based on rental income, not personal income
Instead of relying on US tax returns, W-2s, or US-style employment verification, a DSCR loan focuses on whether the property’s rent can cover the monthly housing payment. This is especially useful for international investors whose income structure does not map cleanly to US documentation.
2. Built for scaling a portfolio
DSCR loans underwrite each property primarily as a cash-flowing asset. That makes portfolio growth more repeatable because the approval logic stays centered on rent coverage, leverage, and reserves rather than personal DTI.
3. More flexible ownership and execution for cross-border investors
Foreign national investors commonly prefer LLC ownership for operations and liability planning. DSCR loans often support investor-friendly vesting and a process that is compatible with remote execution, which matters when you are coordinating funds transfers, documentation, and closing from outside the US.
4. Strong fit for Nevada markets where speed and clarity matter
In Nevada, deals can move quickly, and DSCR files win when the rent story is clear and the monthly carry is modeled accurately. What we see often is that investors who validate taxes, insurance, and HOA early have fewer surprises and smoother closings.
How HomeAbroad Helped Emily Carter from Canada Expand Her Real Estate Portfolio with Nevada DSCR Loan
Emily Carter, a Canadian real estate investor, set her sights on acquiring a rental property in Reno, Nevada. However, as a foreign national without a US income or a domestic credit history, she faced roadblocks from traditional lenders that required extensive income verification and tax documentation, resulting in multiple rejections.
“Emily, like many self-employed investors, faced challenges securing traditional financing due to income verification hurdles. With HomeAbroad’s DSCR loan, she bypassed these roadblocks by qualifying based on rental income alone. This allowed her to secure the property with a DSCR of 1.12 and generate a steady monthly cash flow of $325, proving that the right financing can turn obstacles into profitable opportunities.”
Emily’s experience shows how DSCR loans remove traditional financing barriers, making it easier for investors to secure properties and generate positive cash flow. HomeAbroad helps foreign real estate investors like Emily scale their portfolios with less hassle and greater financial flexibility by focusing on rental income instead of personal earnings.
Nevada Rental Market Overview
Nevada’s housing fundamentals create a clear DSCR reality: renters remain a large share of the market, and the rent-to-payment relationship is driven as much by monthly carry costs as it is by headline rent.
As per our data, the key market statistics for 2025 are:
Median gross rent in Nevada: approximately $1,489/month
Median House Value: around $406,100
Where We Lend DSCR Loans in Nevada
HomeAbroad offers DSCR loans across Nevada, with tailored support for global investors in top-performing markets like Las Vegas, Reno, Henderson, and more.
Here are a few key cities in Nevada where we offer DSCR loans for international real estate investors.
Las Vegas
Henderson
Reno
North Las Vegas
Sparks
Carson City
Boulder City
Mesquite
Fernley
Fallon
Top Places to Invest in Nevada with a DSCR Loan
Nevada presents a lucrative real estate market with affordable property prices and strong rental income potential. With no state income tax, a growing population driven by job opportunities, and a vibrant tourism sector, especially in cities like Las Vegas and Reno, Nevada offers substantial potential for both short-term and long-term rental income.
For foreign nationals investing in the US, Nevada’s rental market presents an excellent opportunity to leverage DSCR loans, which focus on the property’s rental income rather than the borrower’s personal financials.
Here are some of the top-performing cities in Nevada to consider for your next DSCR loan investment:
City
Rental Type
Rental Yield
Las Vegas
Short-Term
12.95%
Reno
Long-Term
8.8%
Boulder City
Short-Term
9.41%
Carson City
Short-Term
8.41%
Henderson
Long-Term
13.7%
Las Vegas: The Entertainment Capital with High Short-Term Rental Yields
Las Vegas isn’t just about casinos and nightlife. It’s a global tourism hotspot attracting millions of visitors each year, making it ideal for short-term rental investments. The city’s vibrant events and conventions keep demand strong year-round, driving impressive rental income.
Median Home Price: $435,778
Average Rent: $2,000
What this means for investors: Exceptional short-term rental yields and steady occupancy provide strong cash flow, making DSCR loan qualification smooth and rewarding.
Investment Properties Listed Today on Sale in Las Vegas
Reno: The Growing Tech Hub and Long-Term Rental Market
Reno has transformed from a small casino town to a burgeoning tech and logistics center. This economic diversification attracts long-term residents, ensuring steady rental demand. Investors benefit from stable appreciation and solid rental income.
Median Home Price: $568,608
Average Rent: $1,941
What this means for investors: Reliable long-term tenants and moderate prices create a balanced investment with attractive DSCR loan potential.
Investment Properties Listed Today on Sale in Reno
Boulder City: The Tranquil Tourist Getaway with Short-Term Rental Appeal
Boulder City draws visitors seeking peace near Lake Mead and Hoover Dam. This tourism base supports a thriving short-term rental market, ideal for investors targeting vacation stays with healthy rental returns.
Median Home Price: $477,049
Average Rent: $1,450
What this means for investors: Strong vacation rental demand and steady yields make it a promising choice for DSCR-backed short-term rental investments.
Investment Properties Listed Today on Sale in Boulder City
Carson City: The State Capital with Balanced Rental Opportunities
Carson City offers a mix of government employment and small-town charm. Its rental market includes both short-term visitors and longer-term tenants, giving investors versatile options for income generation.
Median Home Price: $497,575
Average Rent: $2,150
What this means for investors: A diverse tenant pool and consistent demand support solid rental income and DSCR loan qualification.
Investment Properties Listed Today on Sale in Carson City
Henderson: The Fast-Growing Suburb with Top Long-Term Rental Yields
Henderson’s family-friendly neighborhoods and proximity to Las Vegas have spurred rapid population growth. The city’s long-term rental market benefits from strong demand and high yields, making it a hotspot for investors.
Median Home Price: $496,982
Average Rent: $2,297
What this means for investors: High rental yields combined with strong tenant demand create excellent conditions for DSCR loan success and portfolio growth.
Investment Properties Listed Today on Sale in Henderson
Nevada Specific DSCR Underwriting Factors that Investors Overlook
Nevada’s real estate market offers attractive opportunities, but international real estate investors should understand local nuances to maximize success. From regulatory frameworks to environmental factors and tenant laws, here’s what foreign nationals need to know before investing.
Here are key factors to keep in mind:
1) HOA dues can compress DSCR faster than expected
Las Vegas metro has many HOA-governed communities. Even a moderate HOA can materially reduce DSCR because it directly increases PITIA.
2) Short-term rental rules are local, not statewide
Nevada does not operate under one uniform statewide STR rule set. Las Vegas and Clark County have licensing and enforcement frameworks that can make STR strategy non-executable without approvals. If your income plan depends on STR, legality and licensing must be validated before underwriting.
3) Property tax mechanics and abatements require realistic modeling
Nevada property tax relief programs exist, but applicability depends on the property and use. Underwriting should model taxes as they will be assessed for an investor-owned rental, not as an owner-occupant scenario.
4) Real estate transfer taxes affect entry and exit math
Nevada imposes a real property transfer tax, and county add-ons vary. It is not a DSCR input, but it is a real cost that affects cash needed to close and exit proceeds planning.
Strategic & Future Considerations for Foreign Nationals Investing in Nevada
Nevada’s real estate market is evolving rapidly, presenting unique opportunities and challenges for foreign investors. Beyond the well-known appeal of Las Vegas and Reno, emerging trends in tourism diversification, regulatory shifts, and sustainability will influence investment strategies as we move forward.
Here are some forward-looking considerations international investors should factor in:
1. Tourism Diversification Beyond Casinos
Nevada is broadening its economic base beyond gaming, with growth in entertainment, conventions, outdoor recreation, and tech sectors. This diversification is driving longer tourist stays and increased demand for a mix of short- and long-term rentals.
2. Sustainability and Water Resource Management
Ongoing drought and water restrictions are prompting new building codes and sustainability requirements. Properties that incorporate water-efficient landscaping and green technologies may have stronger long-term appeal and regulatory advantages.
3. Changing Short-Term Rental Regulations
Cities like Las Vegas and Reno are actively updating short-term rental rules to balance neighborhood concerns with economic benefits. Expect more stringent licensing requirements, caps on rental days, and enforcement measures that could affect investment returns and operational flexibility.
4. Infrastructure Expansion and Transit Developments
Nevada is investing in expanding public transit options and highway improvements, particularly around the Las Vegas Valley and Reno. These projects improve accessibility, support population growth, and enhance property values in emerging suburban neighborhoods.
5. Potential Tax Policy Changes
While Nevada currently benefits from no state income tax, ongoing debates and fiscal pressures at the state level could lead to changes in tax policies affecting real estate investors. Staying informed on local and state government plans will be critical for long-term investment planning.
DSCR Loan in Nevada FAQs
Can foreign nationals apply for DSCR loans in the state of Nevada?
Yes, foreign nationals are eligible for DSCR loans in Nevada. At HomeAbroad, we specialize in helping foreign nationals invest in US real estate without requiring a US credit score or personal income documentation. Your loan approval is based on the property’s rental income potential, not your personal income.
What types of properties are eligible for DSCR loans in Nevada?
DSCR loans in Nevada are for various properties, including single-family homes, condos, townhomes, and multi-family units. They can finance new construction projects and investment properties.
Can I refinance a property in Nevada using a DSC
Yes, foreign nationals who already own a rental property in Nevada can refinance with a DSCR loan. This includes both rate-term and cash-out refinancing. With HomeAbroad, you can tap into your property’s equity, even without US income or credit history, and reinvest in additional properties or improve existing assets.
About the author:
Steven Glick is the Director of Mortgage Sales at HomeAbroad and has over a decade of experience in the mortgage industry. As a licensed mortgage originator (NMLS# 1231769), Steven brings deep expertise in loan processing, sales operations, and non-traditional mortgages.
* Scenario-based rate shown for illustrative purposes. Reflects current pricing available to qualified borrowers with strong credit, low loan-to-value, qualifying DSCR, and selected loan terms. Actual rates vary by borrower, property, and market conditions. Not a commitment to lend. Foreign national DSCR pricing may differ from U.S. borrower programs.
Nevada Investment Properties On Sale
Build wealth with HomeAbroad DSCR loans across Nevada’s top markets.
Our streamlined digital process gets you from application to funding faster than traditional lenders.
1
Get Pre-Qualified
Submit a quick online application. No credit pull required for initial quote.
⏱ 5 minutes
2
Submit Documents
Upload property details, lease agreements, and basic ID verification.
⏱ Same day
3
Property Appraisal
We order an appraisal and a rent schedule to confirm DSCR qualification.
⏱ 5–7 days
4
Close & Fund
Sign closing documents and receive your funds. Remote closing available.
⏱ 27 days total
Why Investors Choose HomeAbroad
DSCR Loan Experts
We focus on DSCR investor loans. Expect clear cash flow math, rent documentation, and underwriting that reflects how rental properties are evaluated.
Foreign National Mortgage Experts
No US credit? No problem. At HomeAbroad, our expert loan officers can still qualify you for a DSCR loan. We do not rely on US income or tax returns to underwrite your loan.
AI-Powered Property Search Platform
Our investment property search helps you shortlist rentals that fit DSCR qualification. Screen for rent strength, yield, and investor criteria before you write the offer.
End-to-End Support
We keep the process moving, from LLC formation to bank accounts, insurance to property management. Everything is handled by us so you can focus on growing your portfolio.
Why Choose Us
Built for Foreign Real Estate Investors
HomeAbroad is a one-stop shop for global investors, from finding properties to securing financing, setting up your LLC, opening a US bank account, and managing your portfolio.
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Foreign National Mortgage Experts
No US credit history, income, or residency required. We've helped thousands of international real estate investors finance Nevada real estate.
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AI–Powered Property Search
Our investment property search platform helps you discover high-yield rentals across Nevada using smart algorithms.
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Fast Digital Process
Close in as fast as 27 days with our streamlined application, remote notarization [remote closing], and digital document signing.
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500+ Expert Agents
Work with our network of experienced real estate agents who specialize in investment properties across Nevada.
Ready to Get Started?
Get your personalized rate quote in minutes. No credit pull, no obligation.
48
States We Lend In
27 Days
Average Close Time
500+
Partner Real Estate Agents
4.9 Star
Customer Rating
What Foreign Investors Say About Us
Real reviews from international investors who closed with HomeAbroad
★★★★★
“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”
RM
Rashmi Mayekar
Non-US Resident Investor • Property
★★★★★
“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”
SP
Steve Papadakis
Newcomer on H1-B Visa
★★★★★
“Awesome experience in working with them. Very patient in understanding my needs as an investor and helped me with the correct loan product for me. I will recommend them and use them again.”
JB
John Bolla
Investor from New York, NY
★★★★★
“Jonet from HomeAbroad answered all my questions regarding specifics for work visa holders to purchase our first investment property in Tampa. Was patient and kind and also connect me with a real estate agent.”
Ok
Okissa
Purchased Investment Property in Tampa.
Pre-qualify for a DSCR Loan as an international investor
No U.S. credit history. No personal income verification. Qualify based on property’s rental income.
