Las Vegas’ Trusted Hard Money Lender for Real Estate Investors

Las Vegas’ real estate market ranks among the nation's most competitive, with limited inventory, high property values, and sophisticated investors competing for every opportunity. Successful investing requires more than market knowledge. You need financing that moves faster than traditional banks and adapts to complex deal structures. Unitas Funding provides hard money loans in Las Vegas designed specifically for a demanding investment environment.

Our lending philosophy centers on partnership, not just transactions. We've funded $5 billion in real estate investment loans across 10,000 successful closings, bringing institutional capital and entrepreneurial thinking to every deal. Whether you're renovating properties, developing new construction, or building a rental portfolio across North Las Vegas, Unitas delivers private loans for Las Vegas real estate investors with the speed, flexibility, and reliability that separate winning investors from those left watching opportunities pass them by.

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Fast, Reliable Capital for Your Next Real Estate Deal

Las Vegas’ market doesn't wait for slow lenders. Properties receive multiple offers within days, and sellers favor buyers with verified financing and quick closing capability. Our Las Vegas hard money lenders close in 10 business days or less, providing same-day pre-approvals that strengthen your negotiating position. Our streamlined underwriting focuses on property fundamentals and deal economics rather than bureaucratic procedures, giving you the competitive edge when bidding against cash buyers and well-capitalized competitors.

Fix & Flip Loans

Fix & Flip Loans

Las Vegas’ aging housing stock combined with strong buyer demand creates exceptional opportunities for investors who can identify undervalued properties and execute strategic renovations. We provide up to 92.5% loan-to-cost financing with rates starting at 8.99%, covering acquisition and rehabilitation costs. Our underwriting evaluates after repair value (ARV) based on comparable sales and market analysis, not rigid lending formulas. Our flexible terms and responsive draw process ensure capital availability throughout your project.

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New Construction Loans

New Construction Loans

Ground-up development in Las Vegas requires lenders who understand zoning complexities, construction costs, and market absorption rates. Unitas provides comprehensive new construction funding for projects throughout Las Vegas and the surrounding communities. We structure financing around your development timeline with inspection-based draws that maintain project momentum. Our 24-48 hour draw turnaround after verification keeps contractors paid and construction on schedule, critical factors in Las Vegas’ high-cost construction environment.

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Bridge Loans

Bridge Loans

Market timing often determines investment success. Our bridge loans provide 6-12 month financing when you need to secure properties immediately, manage transitions between projects, or stabilize assets while arranging permanent financing. Las Vegas’ competitive landscape rewards investors who can close quickly. Unitas delivers the speed and certainty that traditional lenders can’t always provide, enabling you to act decisively when opportunities emerge.

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DSCR Loans

DSCR Loans for Rental Properties

Expanding rental portfolios in Las Vegas’ strong rental market requires financing that evaluates properties on income performance rather than personal financial statements. Our debt service coverage ratio (DSCR) loans qualify based on rental income analysis and credit history, eliminating W-2 verification and personal tax return requirements. Whether you're targeting professional rentals or family housing in suburban communities, our asset-based approach streamlines qualification and accelerates your portfolio growth.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas combines institutional financial strength with entrepreneurial responsiveness. Our $4.5 billion in capital backing ensures funding reliability and security, while our direct lending model eliminates bureaucratic delays. You work with experienced decision-makers who understand real estate investing and have authority to approve complex deals, not entry-level processors following standardized checklists.

  2. More Ways to Say 'Yes' to Your Deal
    Las Vegas’ diverse property types and complex deal structures don't always fit standardized lending criteria. Unitas evaluates your specific investment strategy, property characteristics, and market position rather than applying rigid formulas. Our team brings decades of combined experience in construction, real estate, and institutional lending, enabling creative structuring.

  3. Certainty From a Direct Lender
    When Unitas commits to your loan, that commitment is guaranteed. As a direct lender managing our own capital, we don't sell loans to secondary markets or depend on outside funding sources. This means no last-minute surprises, no funding disruptions, and complete certainty your deal will close.

  4. Faster Funding, Faster Draws
    Efficient capital deployment extends beyond initial closing. Our construction draw process maintains the same speed throughout your project with fast approvals after inspection completion. No arbitrary draw limits, no bureaucratic delays, no contractor payment disruptions. You maintain complete control over project timing and budget execution.

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Get Pre-Approved in 24 Hours!

Begin your next Las Vegas investment with confidence. Submit your project information below and receive a preliminary term sheet within 24 hours. Our Las Vegas lending specialists will evaluate your deal and provide transparent rates and terms. Whether you're a first-time investor or managing an established portfolio, we'll structure financing aligned with your investment goals and timeline.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances projects of all sizes, including single-family spec homes, multi-unit residential, condominiums, mixed-use developments, and ground-up construction projects. Our Las Vegas hard money lenders provide fix-and-flip financing, bridge loans, new construction funding, and DSCR rental property loans throughout Las Vegas and the surrounding communities. All financing is business-purpose only through business entities such as LLCs or corporations.

How quickly can you close on a Las Vegas investment property?

Unitas closes on private loans for Las Vegas real estate investors in as little as 10 business days with complete documentation. Most deals receive same-day pre-approval and move to final approval within 3-5 business days, subject to title examination and property valuation completion. Our direct lending structure and experienced underwriting team eliminate the delays typical of traditional financial institutions.

What are your loan-to-cost ratios for Las Vegas fix-and-flip projects?

We provide up to 92.5% loan-to-cost financing on qualified fix-and-flip projects with interest rates starting at 8.99%. Specific LTC ratios and rates depend on property location, borrower experience, project scope, and current market conditions. Our underwriting focuses on after repair value (ARV) and documented exit strategy rather than standardized formulas.

Do you require personal income verification for DSCR loans?

No. DSCR loans qualify based on property income analysis and credit history rather than personal income documentation. We evaluate the debt service coverage ratio by comparing projected rental income against proposed loan payments. This asset-based underwriting eliminates the need for W-2s, pay stubs, or personal tax returns, streamlining qualification and focusing on property cash flow performance and good credit.

Ready to Fund Your Next Las Vegas Real Estate Investment?

Las Vegas’ competitive real estate market demands financing partners who understand local dynamics and deliver institutional reliability. Unitas Funding provides the capital, market expertise, and execution speed you need to compete effectively and build wealth through real estate investment. Our combination of financial strength, real estate knowledge, and investor-focused service delivers more than loans. We deliver strategic partnership. Contact our Las Vegas hard money lenders today to discuss your project!

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.