In Las Vegas, the deals with the most upside are often the older fourplexes and tired homes that a long-term lender will not finance as they stand. Bridge money closes that gap.
In short: Our top pick for bridge loans in Las Vegas, NV is LendingStreet: closings in as little as 10 days, loans from $150,000 to $5M+ on 1 to 8 unit investment property, and a 30-year DSCR refinance with the same lender when the property is leased. Rates start from 7.99%, and LLC borrowers are standard. Get a quote with the form below or call (877) 298-1001.
LendingStreet is our top pick for investors who need short-term money in Southern Nevada. We make bridge loans from $150,000 to $5M+ on 1 to 8 unit residential investment property, with rates from 7.99%, interest-only payments and closings in as little as 10 days. No appraisal is needed on some bridge programs.
Our loans fit Las Vegas investors buying older fourplexes that need work, closing quickly on single-family homes, picking up estate and foreclosure properties, or paying off a loan that is maturing. When the plan is to hold, we refinance into a DSCR loan that qualifies on the property's rent.
Want terms on a Clark County property? Get a quote with the form below or call (877) 298-1001.
Well-known bridge lenders include CoreVest, Dominion Financial, Lima One and Roc Capital. Compared scenario by scenario for investors in Las Vegas, NV, LendingStreet comes out as the stronger choice, and one application covers it.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Most of the Las Vegas Valley was built after 1990, so investors find large tracts of stucco single-family homes in Henderson, North Las Vegas, Summerlin, Spring Valley, Enterprise and the southwest. Older parts of the city, east Las Vegas and the areas around downtown hold 1960s and 1970s duplexes and fourplexes, often with deferred maintenance.
Demand comes from the resort, hospitality, logistics and health care workforce, plus steady in-migration. Many single-family homes are in HOA communities with leasing rules, and small multi-unit buildings often need work before they can be refinanced. Both are good bridge situations. Because so much of the stock is similar, comparable sales and rents are usually easy to find, which helps when it is time to size the refinance.
Las Vegas investors typically choose between a bank or credit union, a local hard money lender, a private individual and an investor lender like LendingStreet. The table shows general patterns; specific lenders differ.
Banks can be a fit for borrowers with full income documents and a flexible closing date. Local hard money lenders tend to be fast, with fees and terms that vary and little in the way of long-term loans. LendingStreet offers the speed plus a DSCR refinance with the same lender.
| What to compare | LendingStreet | Typical bank | Typical private or hard money lender |
|---|---|---|---|
| How you qualify | Deal-focused; no W-2s needed; LLC borrowers standard | Often requires tax returns and personal income | Mostly based on the property |
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| Long-term exit | Refinance into a DSCR rental loan with the same lender | Possible, usually with full income documents | Usually short-term only |
| Loan size | $150,000 to $5M+ | Varies; large balances can be harder | Varies by lender |
| Valuation | No appraisal on some bridge programs | Appraisal usually required | Varies |
| Rates | From 7.99% | Varies | Varies; fees and terms vary |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional |
Here is where bridge loans most often show up in Las Vegas files:
This example is illustrative and not a quote. An investor buys a 1970s fourplex for $640,000 with a short closing date. The bridge loan funds 75% of the price ($480,000) plus $40,000 of work on HVAC, roofs and two unit interiors, for $520,000. Once fully drawn, the estimated interest-only payment is about $4,333 a month, or about $21,667 over 5 months.
With all four units leased at $1,150, the building is valued at $700,000. A 75% cash-out DSCR refinance of $525,000 pays off the bridge and returns about $5,000 before closing costs.
Estimated principal and interest is about $3,581. Taxes of about $320 and insurance of about $250 bring the payment to about $4,151. On $4,600 of rent, the DSCR is about 1.11x.
| Item | Amount |
|---|---|
| Purchase price | $640,000 |
| Rehab budget | $40,000 |
| Bridge loan (75% of price plus rehab) | $520,000 |
| Estimated interest-only payment | $4,333 a month |
| Interest over 5 months | $21,667 |
| Value with units leased | $700,000 |
| DSCR cash-out loan (75% LTV) | $525,000 |
| Estimated principal and interest | $3,581 |
| Taxes and insurance | $570 |
| Total monthly payment | $4,151 |
| Rent, four units | $4,600 |
| DSCR | About 1.11x |
Clark County's real property transfer tax is $5.10 per $1,000 of value, or about $3,264 on the example above. Who pays it is negotiated in the contract, so confirm it with your title company. Nevada caps how much a property tax bill can rise each year, with a lower cap for a primary residence than for a rental, so an investor's bill may grow faster than the seller's did.
Clark County and the cities of Las Vegas, Henderson and North Las Vegas each license short-term rentals under their own rules, which include limits and spacing requirements. Many HOAs ban rentals under 30 days or cap the number of rentals. Most bridge-to-DSCR plans here use 12-month leases. Check with the city or county and the HOA before you buy.
Some investors sell after the work, particularly on single-family homes where buyers pay for updated finishes. Many hold small multi-unit buildings, where the combined rent supports a long-term loan.
Our DSCR loans qualify on rent, with a 620 minimum credit score, a 1.0x standard minimum DSCR, LLC borrowers and 30-year terms. Cash-out goes up to 75% LTV, and rate-and-term up to 80% on some programs. Seasoning varies by program.
Ask these of every lender on your list. LendingStreet's answers follow each one.
Ready to see terms? Get a quote with the form below or call (877) 298-1001.
Our top pick is LendingStreet: closings in as little as 10 days, bridge loans from $150,000 to $5M+ with rates from 7.99%, and a DSCR rental refinance with the same lender.
Yes. We lend throughout the Las Vegas Valley, the rest of Nevada, and all 50 states and DC.
Yes. We lend on 1 to 8 unit residential investment property, and older fourplexes are a common bridge request.
Only where the city or county license and the HOA allow it. Rules include limits and spacing requirements, so confirm before relying on nightly income.
It is negotiable. The rate is $5.10 per $1,000, and the contract sets who pays it.
Yes. Many Las Vegas HOAs cap rentals or restrict short stays. Review the rules before you buy so the exit works.
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