Hard Money Lenders in Las Vegas

Las Vegas hard money lenders range from one-person shops to a large-balance commercial lender that starts at $2 million. Capella Mortgage, which runs hardmoneylasvegas.com, says it has lent in Las Vegas since 1996, and two of the seven lenders below, Alpha Funding Corp. and Rehab Lend, share an address at 1810 East Sahara Avenue. The rest are on South Las Vegas Boulevard, East and West Sunset Road, South Eastern Avenue, East Warm Springs Road and South Edmond Street.

Las Vegas hard money lenders and their published terms

Ratings and review counts are as shown on each lender's Google Maps listing on October 30, 2026. Terms are quoted from each lender's own website, read the same day; "None published" means its site gives no rates or leverage. Listed alphabetically, not ranked. Confirm current terms with the lender.

Capella Mortgage publishes the most: 9% to 14% with most loans at 12% to 14%, typically 3 to 4 points, and loans of $50,000 to $35 million. Lantzman Lending starts at 8% and funds up to 90% of cost on flips. Rehab Lend lists 9.99%, a $100,000 minimum and 0.75 to 1.5 points on long-term loans. 5th Bridge Funding lends up to 80% of as-is value at fixed rates that depend on leverage, and Alpha Funding lends $2M to $100M+ from 6.5% for up to 5 years, with 1.5 to 2.75 points on bridge loans.

Hard money loans in Las Vegas: a flip on the median home

Take a house that would sell for the $427,900 Census median value after an assumed $55,000 rehab. The 70% rule caps the purchase at $244,530. Lima One Capital, which says it lends in Nevada, publishes rates as low as 7.75% and leverage up to 95% LTC, 75% of ARV, 100% of rehab; origination can be deferred to the exit, but the amount is not stated (Lima One).

At 95% of cost the loan is $284,554 and you bring $14,976. Six months of interest at the starting rate is $11,026, leaving $117,344 from the resale before origination, closing and selling costs. The same loan priced at the other published Las Vegas rates:

Capella's 12% is the low end of the range where it says most of its loans fall; Lantzman's and Rehab Lend's are their published starting rates. Lantzman and Rehab Lend do not publish points on flips. Alpha Funding Corp. is left out because its loans start at $2M, several times the price of a median Las Vegas house.

Clark County real property transfer tax

Nevada's Department of Taxation sets a general rate of $1.95 for every $500 of value in all counties and adds $0.60 in Clark County (Nevada Department of Taxation), for $2.55 per $500. The statutes reach the same total by a different path: $1.25 per $500 in counties of 700,000 or more people plus an additional $1.30 statewide (NRS 375). On the $427,900 median price that is 856 units of $500 (rounded up) at $2.55, or $2,182.80, about half a percent.

How Nevada trustee sales work

NRS 107.080 lets the trustee sell an advertised property at public auction, at the time and place in the notice, at a public location in the county where the property sits, to the highest cash bidder (NRS 107.080). "Highest cash bidder" is the key phrase for investors: you need funds in hand at the sale, so a hard money lender has to commit before the auction, not after.

Private money lenders in Las Vegas by deal size

What to ask a Las Vegas lender

• Can you issue a proof-of-funds letter or a commitment before a trustee sale, given that NRS 107.080 sells to the highest cash bidder?
• Are your points charged at closing or, like Lima One's origination, deferred to the exit, and how much are they?
• Is the rate fixed for the term? 5th Bridge Funding says its fixed rates depend on loan-to-value, so ask what leverage gets which rate.
• Do you require a minimum loan? Rehab Lend starts at $100,000 and Alpha Funding Corp. at $2M, which rules some deals out.

Bring the answers back to the transfer tax and interest figures above and you have most of the cost of a Las Vegas flip on one page, before insurance, utilities and the agent's commission on the resale.

Las Vegas in Census figures

Las Vegas is close to an even split: 43.4% of its 247,741 occupied homes are rented. The ACS counts 267,654 housing units, 19,913 of them (7.4%) unoccupied when surveyed. The $1,563 median rent equals 4.38% of the median value over a year, a thin margin for a single-family rental financed at 80%.

National lenders that lend in Nevada

Nevada has the thinnest national coverage of the cities here: only Lima One Capital, Kiavi, Easy Street Capital and Griffin Funding say they lend in Nevada, and Groundfloor, RCN Capital and CoreVest do not publish a state list. LendingOne, Express Capital Financing and Ternus exclude Nevada by name. See the Nevada hard money lenders page for the national lenders' full terms.

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