About Investor Loans Nevada
What this site is.
Investor Loans Nevada is a dedicated resource for Nevada homebuyers and homeowners researching the nevada dscr + investor loans, property cash flow qualifies, no w-2 needed. Every program covered here is one Mike Certo originates loans against directly through Cornerstone First Mortgage, not a list curated from the outside.
About Mike Certo.
Mike has originated residential mortgages for 23 years across retail, wholesale, broker, and direct lender shops. Today he's Branch Manager at Cornerstone First Mortgage. ITIN loan options. Reachable on his cell when an offer needs to go in tonight.
About Cornerstone First Mortgage.
Cornerstone First Mortgage, LLC (NMLS #173855) is a direct lender, not a broker, not a referral service. We originate, underwrite in-house on the first mortgage, and close.
About this site network.
This site is part of the NV Loan Experts network covering Nevada home loans across every niche. For programs outside this site's focus, see NV Loan Experts, the parent brand.
Get in touch.
Phone: (480) 296-6513
Email: mcerto@cfmtg.com
Apply online: portal.myhometrac.com
How lenders are actually told to treat rental income
Agency rules set the floor even on a DSCR loan. Fannie Mae renumbered its rental-income requirements in Announcement SEL-2026-08, moving the guidance from B3-3.1-08 to B3-3.8-01, mandatory for applications taken on or after November 1, 2026. Freddie Mac carries its own treatment in the Seller/Servicer Guide. On a true DSCR program the ratio replaces personal income entirely, but the appraiser’s rent schedule or the signed lease still sets the income figure, not a listing price. Nevada adds its own layer: trustee sales run under NRS Chapter 107, and valuation is administered by the Nevada Department of Taxation.