2025 · Nevada
In 2025, 5,483 investment-property loans worth $1.9B were originated on single-family 1-4 unit homes in Nevada. Here's how those terms compared to the rest of the country.
Investor rate premium
75 bps
U.S. median: 76 bps
Denial rate
17.4%
U.S. median: 17.5%
DSCR / business-purpose
74%
U.S. median: 72%
Median LTV
70%
U.S. median: 74%
Since 2024 in Nevada
Rate premium
100 bps → 75 bps
-25 bpsInvestor loans
5,321 → 5,483
+3.0%Denial rate
16.8% → 17.4%
+0.6 ptsDSCR / business-purpose
75% → 74%
-0.2 ptsInvestors in Nevada borrowed at a median rate of 7.125%, versus 6.375% for owner-occupants — a 75 bps premium that ranks 33rd of 51 states.
Their applications were denied 17.4% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
74% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 19% were cash-out refinances. The typical loan-to-value was 70%, implying about 30% down.
In 2025, the median investment-property loan in Nevada carried a rate of 7.125% versus 6.375% for an owner-occupant — a premium of 75 bps. That ranks 33rd of 51 states (1 = highest premium).
17.4% of investment-property applications were denied in Nevada in 2025, the 23rd-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
74% of investor loans in Nevada were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (14th of 51). The median loan-to-value was 70%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.