Reno, NV's Trusted Hard Money Lender for Real Estate Investors

Reno's transformation from casino town to logistics and tech hub — driven by the Tesla Gigafactory and a wave of warehouse development east of the city — has reshaped demand across neighborhoods like Midtown and Old Southwest. Investors flipping character homes or building rental portfolios near the University District are competing against California capital flowing into a still-undervalued market.

Unitas Funding provides private real estate loans for investors throughout Reno and Washoe County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring the speed Reno investors need to compete with cash buyers.

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Fast, Reliable Capital for Your Next Reno Deal

Reno's population growth, tax-friendly Nevada environment, and industrial-driven job base support strong margins for both flips and rentals. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Washoe County.

Fix & Flip Loans

Fix & Flip Loans

Old Southwest and Midtown's mid-century housing stock rewards investors who modernize interiors while preserving the walkable, tree-lined character buyers want. Unitas funds acquisition and rehab together so Reno flippers can close before competing cash offers.

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New Construction Loans

New Construction Loans

Infill construction near Midtown and the University District continues as Reno adds density close to downtown. Our construction loans fund the full build cycle with 24-48 hour draws to keep Nevada crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Wells Avenue multifamily acquisition before permanent financing clears? Unitas bridge loans give Reno investors the short-term capital to secure deals in a market increasingly competitive with out-of-state buyers.

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DSCR Loans

DSCR Loans for Rental Properties

Reno's logistics- and tech-driven population growth supports strong rental demand, making DSCR loans an effective tool for investors building portfolios in Old Southwest or near the University District. We qualify the property's income, not personal tax returns.

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What Makes Unitas Different in Reno

  1. Institutional Resources, Direct Access
    Backed by $4.5 billion in institutional capital, Unitas never leaves a Reno closing waiting on funds — while operating as a direct lender that gives real answers fast.

  2. Local Reno Market Expertise
    Our team tracks Washoe County's shifting submarkets, from Midtown's rental density to Somersett's newer construction, and prices deals on the asset, not a rigid checklist.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Reno rehab and construction projects moving as competition for contractors intensifies with the region's growth.

  4. A Track Record Built in Reno
    We've funded deals across Old Southwest, Wells Avenue, and Midtown, building the track record Reno investors and agents rely on for certainty of close.

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Get Pre-Approved in 24 Hours
Ready to move on your next Reno deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Reno?

Most Reno transactions close within 10 business days of a completed application, with our team coordinating directly with Washoe County title companies.

What loan-to-cost is available for Reno fix-and-flips?

Qualified Reno investors can access up to 92.5% loan-to-cost on both acquisition and renovation budget.

Does Unitas finance new construction in Reno?

Yes, we fund ground-up and infill construction throughout Washoe County, including projects near Midtown and the University District.

How does DSCR financing work for Reno rental properties?

DSCR loans qualify based on the property's rental income relative to debt service, not personal income, suiting Reno's growing rental demand.

What areas near Reno does Unitas serve?

We fund deals throughout Washoe County, including Sparks, Spanish Springs, and the greater Truckee Meadows region.

Ready to Fund Your Next Reno Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Reno investors need to compete in one of the West's fastest-transforming markets. From Old Southwest flips to Midtown infill construction, we fund projects across Washoe County. Contact us today to discuss your Reno investment property financing.

Unitas Funding has funded 50+ deals for investors in and around Reno, NV.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.