Looking at various YT videos (for what that's worth) and some Googling (also, for what that's worth), loquats can be rooted from cuttings, though it's not quite as easy and clear cut as say, figs for example.
I considered seeds, but my understanding is they're not true to type, and take at least four years before you get any fruit.
Could go to the grafted route, but my understanding is they're not as tolerant to temperature extremes. I'm in Vegas so it'll need to be able to handle our hot temps (with afternoon shade) and lows that can linger into the high 20s for short spurts.