Nevada hard money is asset-based bridge capital: decisions hinge on the deal and the exit, not on W-2 income. From Reno to Las Vegas, it funds the deals that need to close before a bank could even order an appraisal.
What Nevada investors use hard money for
- BRRRR starts — acquire and rehab, then exit to Nevada DSCR
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- Bridge between purchase and permanent financing or sale
- Distressed / non-warrantable assets a conventional lender will not touch
Why speed matters here: Nevada foreclosure is non-judicial — trustee-sale foreclosure is standard and fast. Asset-based capital lets you act on that inventory before financed buyers can.
Nevada hard money terms (2026)
| Term | Nevada range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $385,000 – $525,000 typical ARV |
Nevada metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Reno | $420K–$580K | $1,900–$2,600 | Tahoe-Reno industrial job growth |
| Las Vegas | $380K–$520K | $1,900–$2,600 | STR-adjacent flips; Clark County registration may apply |
Nevada has no state income tax, which strengthens after-tax returns on the eventual hold or flip exit.
Diligence before you fund in Nevada
Underwrite local risk honestly in Nevada:
- Extreme heat and HVAC load
- Flash-flood washes in the Las Vegas valley
What we need to issue a Nevada term sheet
- Scope of work and rehab budget
- Entity documents (LLC operating agreement, EIN) for vesting
- Proof of funds for down payment and reserves
- A credible exit — resale comps or projected rent
- Comps or a desktop valuation toward ARV
Bring those and a Nevada file can move to term sheet quickly — the asset and the exit do the talking.
Recent Nevada deal
Las Vegas STR-adjacent flip funded with 95% leverage for repeat client. Asset and exit drove the approval — not a personal income file.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Nevada that means one of two exits:
- Resale — finish and sell via fix and flip loans Nevada economics
- Refinance — stabilize and hold with a Nevada DSCR loan
Nevada Division of Mortgage licensing required; Clark County rental registration may apply.
Nevada hard money FAQ
How fast can a Nevada hard money loan close?
With clear title and a workable scope, Nevada deals can fund in roughly 7–14 days — fast enough for Reno auction and estate deadlines.
What leverage do Nevada hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $385,000 – $525,000 band in Nevada). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on a Nevada hard money loan?
Either resale via fix and flip, or refinance into a Nevada DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Nevada Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.