Nebraska DSCR Loans
EasyRent is our tailored and industry-leading DSCR Loan solution for Nebraska real estate investors. Whether you are acquiring property to expand your portfolio or cashing out your capital in a refinance, we have a loan for you. Our DSCR Lending Program has solutions for anyone – from first-time investors to industry veterans looking to rapidly scale their portfolios. We are confident we can find you a great Nebraska DSCR loan in a quick, efficient and easy process. Click the button below and get started today!
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What is a DSCR Loan?
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.
For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”
DSCR Loan Definition Breakdown
- Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
- Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
- Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
- Underwritten = How lender evaluates (and then prices) the risk of the loan
- Primarily Based on Property = Mostly based on property, but also look at sponsor
- Turnkey = property doesn’t require any renovation, “turn the key and go”
Looking to get a deeper understanding of all things DSCR? Check out our DSCR Loans Guide below!
Nebraska Recent DSCR Fundings
Real Investments. Real Results.
Real estate investors in The Cornhusker State are turning to DSCR Loans as a strategic tool to expand and manage their investment property portfolios. DSCR loans allow investors to secure financing based on the property's ability to generate income (rather than an investor's individual credit profile). In a market like Nebraska, where real estate prices have shown steady growth and rental demand remains steady, DSCR loans offer investors a flexible and effective means to acquire new properties, improve existing ones, or refinance their assets. Easy Street Capital is proud to be a leading provider of DSCR loans for Nebraska real estate investors looking to build rental portfolios! Check out our most recently funded DSCR loans in Nebraska below:
Single-Family Residence
Omaha, NE
$124,800 Nebraska DSCR Rental Loan for a Cash-Out Refinance of a rental property in Omaha. The property features recent upgrades to the kitchen, bathrooms, and garage. Conveniently located next to Interstate 680 and Fontenelle Park, residents can enjoy easy access to the city and nearby outdoor recreational facilities.
Quadruplex
Seward, NE
$300,475 Nebraska DSCR Rental Loan for an Acquisition of a rental property in Seward. This fully occupied quadruplex is located south of Highway 24, allowing direct access to big city amenities as well as the University of Nebraska-Lincoln campus.
Multifamily
Lexington, NE
$308,000 Nebraska DSCR Rental Loan for a Cash-Out Refinance of a rental property in Lexington. The property is very central to Lexington and has no shortage of small businesses, workout facilities, parks, and wineries nearby. Platte River, a 310-mile river that runs close to Lexington, offers fishing, boating, and bird-watching, for those interested in the continental bird migration route. There is a plethora of wildlife in this area, as the moderate climate and flat plains offer an ideal habitat.
Single-Family Residence
Yutan, NE
$115,000 Nebraska DSCR Rental Loan for a Cash-Out Refinance of a rental property in Yutan. The property is located in Yutan, thirty minutes from the center of Omaha. The residence also benefits from close proximity to the Platte River, which offers an abundance of recreational opportunities and is right next door to the Yutan Elementary School.
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