© WHERE WE LEND SAN DIEGO HQ · NEVADA
HARD MONEY LENDER NEVADA
Loan Goat funds investor deals in Las Vegas, Henderson, Reno and every Nevada market worth buying into.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Nevada, in Las Vegas, Henderson, Reno, North Las Vegas and Sparks. The borrower we fund is an investor: flipping stucco tract houses, holding rentals, building on an infill lot, buying a small commercial building or a condo unit to reposition. Fix and flip, bridge, construction, rental property on DSCR, commercial and blanket, all from a direct lender using its own capital, with one decision maker on the file.
Nevada splits north and south, and the halves behave nothing alike. The Las Vegas Valley is a volume market: Clark County subdivisions, stucco and tile roofs, master-planned communities in Henderson, newer construction and industrial product pushing up through North Las Vegas. Reno and Sparks are the northern story, a Washoe County market reshaped by distribution, manufacturing and California money crossing the Sierra. Both reward speed and punish hesitation.
Loan Goat is headquartered in San Diego, one state line away, and we lend all over Nevada. Nevada sits close to home for us, but you still never need to meet anyone in person. In-house capital, one decision maker, no committee, no broker chain marking up your rate. Terms come back the same day, closings run five to seven days, and a clean bridge file can fund in three.
Las Vegas investors buy tract homes from the boom decades, then cosmetically flip them or hold them as rentals for a workforce tied to hospitality, conventions and the airport. Henderson skews newer and more master-planned, with Anthem and Green Valley product. North Las Vegas is where new construction and industrial space keep expanding. Reno and Sparks run on Tahoe Reno Industrial Center logistics, the University of Nevada and short-term rentals feeding Lake Tahoe.
© NEVADA LOCATIONS SAN DIEGO HQ · NEVADA
EXPLORE OUR NEVADA LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Las Vegas Clark County, out to North Las Vegas, Henderson, Victorville.
- Henderson Clark County, out to Las Vegas, North Las Vegas, Victorville.
- Reno Washoe County, out to Sparks, Roseville, Sacramento.
- North Las Vegas Clark County, out to Las Vegas, Henderson, Victorville.
- Sparks Washoe County, out to Reno, Roseville, Sacramento.
© THE COST SAN DIEGO HQ · NEVADA
WHAT DO NEVADA HARD MONEY LOANS COST
A Nevada quote is built from the deal, not from the state. Bridge from 9.00% and up to 75% LTV on residential, 70% on commercial, one or two year terms and closings in 3 to 14 days. Every one of those is published, not negotiated in the dark.
Terms are written before an appraisal is ordered, which lets a Nevada investor underwrite the lender before spending money on third-party reports. Nothing is re-traded at the table.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · NEVADA
WHY LOAN GOAT IN NEVADA
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Nevada is an auction and wholesale market, and those sellers do not wait. An auction purchase, a wholesaler assignment or an off-market pocket listing goes to whoever funds first. Bridge loans from 9.00% at up to 75% LTV make you that buyer. Fix and flip handles the purchase and the rehab draws on a Clark County cosmetic. No prepayment penalty means a quick flip never pays for time it did not use.
Reno and Sparks deals often need capital before the story is clean: a building mid-conversion, a house between tenants, a lot waiting on a builder. That is what bridge money is for, and our business purpose bridge runs up to $25,000,000 when the project justifies it. DSCR rental loans qualify a stabilized Washoe County rental on its own rent. Second and third mortgages pull equity out of Nevada property you already own.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
NEVADA, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Nevada files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN NEVADA
Nine programs run in Nevada. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · NEVADA
HOW WE LEND IN NEVADA
Reno and Sparks deals often need capital before the story is clean: a building mid-conversion, a house between tenants, a lot waiting on a builder. That is what bridge money is for, and our business purpose bridge runs up to $25,000,000 when the project justifies it. DSCR rental loans qualify a stabilized Washoe County rental on its own rent. Second and third mortgages pull equity out of Nevada property you already own.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
NEVADA BORROWERS, IN THEIR WORDS
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Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego
ALEX TELEFORD -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
Fantastic experience working with Milad and his staff at loan goat. Closed both of my loans in less than 10 days. Best hard money lender hands down in San Diego
ALEX TELEFORD -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN
© QUESTIONS SAN DIEGO HQ · NEVADA
NEVADA HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, we lend throughout Nevada, in Las Vegas, Henderson, North Las Vegas, Reno and Sparks. Loan Goat is a veteran-owned direct lender based in San Diego, funding investors nationwide, and it carries a 5.0 Google rating built on 150+ reviews. Nevada files run like every other file: send us the deal, get terms the same day, sign at a title company near the property.
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Five to seven days is standard, and three days is achievable on a clean bridge file. Clark County flips usually come down to speed, because the seller has other offers and the wholesaler has a deadline. Give us the address, the contract price, the rehab scope and the resale plan, and you get real numbers the same day. Call (619) 617-2797.
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Yes, short-term rental property in Washoe County is collateral we routinely underwrite. If the house needs work before it can be listed, a bridge or fix and flip loan funds the rehab, then a DSCR rental loan takes it out once it performs. We underwrite the property and its income, which means the booking history and the comps carry the weight.
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Yes, our construction program funds ground-up work on infill lots and small subdivisions, and bridge financing covers the land while you get ready to build. Clark County budgets and timelines swing with trade availability, so we size the loan on the plans, the budget and the exit. Vertical construction, horizontal work and rehab-heavy repositioning all get looked at the same way.
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Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs
© WHERE WE LEND SAN DIEGO HQ · NEVADA
NEVADA, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · NEVADA
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