DSCR Loans in Douglas County, Nebraska
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 154 lenders made 1,310 investment-property loans in Douglas County, 34.8% of Nebraska's total. Dominick Prevete arranges DSCR loans across Douglas County, Nebraska, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $260,000.
Douglas County investor market at a glance
| Statistic | Douglas County | Nebraska | County rank |
|---|---|---|---|
| Investor loans | 1,310 | 3,768 | 1st of 3 |
| Reporting lenders | 154 | 235 | 1st of 3 |
| Loan volume | $275.3M | $727.8M | 1st of 3 |
| Average loan | $210K | $193K | 3rd of 3 |
| Median loan | $165K | $155K | 3rd of 3 |
| Purchases | 62.6% | 62.3% | 1st of 3 |
| Cash-out refinances | 10.4% | 7.5% | 2nd of 3 |
| 2–4 unit properties | 14.5% | 21.9% | 2nd of 3 |
| Top five lenders' share | 25.5% | 24.0% | 3rd of 3 |
| Reported business-purpose | 60.2% | 54.6% | 1st of 3 |
Douglas County: closed-end loans on 1–4 unit investment properties. Douglas County's rank is highest first, among Nebraska's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Douglas County's investor loans.
What stands out in Douglas County
By share of investor loans reported as business-purpose, Douglas County ranks highest of Nebraska's 3 counties with published data (statewide: 54.6%).
60.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The average investor loan in Douglas County was $210K, the lowest average of Nebraska's 3 counties with published data (statewide: $193K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
62.6% of Douglas County's investor loans were purchases, the highest share of Nebraska's 3 counties with published data (statewide: 62.3%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Douglas County?
At HUD's fair market rent of $1,924 for a 3-bedroom in Douglas County, Nebraska, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Douglas County's median home value is $266,100; at that price the payment is $1,939 a month, so the property would need $1,950 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,450 / $1,924 / $2,179 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $266,100 |
| Median property taxes and effective rate | $4,507 (1.69% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,939 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Douglas County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Douglas County?
The most active investment-property lenders in Douglas County in 2025 HMDA data were Dayspring Bank, FOUR POINTS and Pinnacle Bank, out of 154 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Douglas County, and matches each file to the one most likely to fund it.
Douglas County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,310 loans and $275.3M from 154 lenders. Dayspring Bank led Douglas County with 79 loans, 6.0% of the county's total, and the average Douglas County loan of $210K compares with $193K across Nebraska.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Dayspring Bank | 79 | $18.6M | $236K | 67.1% |
| FOUR POINTS | 75 | $12.7M | $170K | 88.0% |
| Pinnacle Bank | 67 | $11.1M | $166K | 68.7% |
| CHARTER WEST BANK | 62 | $11.6M | $187K | 74.2% |
| Dundee Bank | 51 | $11.3M | $221K | 58.8% |
| Frontier Bank | 47 | $25.1M | $535K | 63.8% |
| VERIDIAN CREDIT UNION | 45 | $9.1M | $201K | 80.0% |
| Exchange Bank | 41 | $7.8M | $191K | 65.9% |
| First National Bank of Omaha | 39 | $4.9M | $126K | 48.7% |
| Security National Bank of Omaha | 35 | $6.6M | $187K | 62.9% |
| Union Bank and Trust Company | 34 | $6.2M | $184K | 67.6% |
| WEST GATE BANK | 30 | $8.0M | $267K | 50.0% |
| CENTRIS | 24 | $3.9M | $162K | 79.2% |
| Access Bank | 23 | $6.3M | $275K | 65.2% |
| United Wholesale Mortgage | 23 | $5.0M | $218K | 65.2% |
| Arbor Bank | 21 | $4.8M | $230K | 61.9% |
| Northwest Bank | 21 | $4.1M | $194K | 85.7% |
| COMMERCIAL STATE BANK | 20 | $3.9M | $195K | 100.0% |
| Nebraska Bank of Commerce | 19 | $3.9M | $207K | 57.9% |
| CMG MORTGAGE, INC. | 19 | $3.4M | $177K | 68.4% |
| Loan Funder LLC | 18 | $4.9M | $274K | 5.6% |
| Five Points Bank | 15 | $2.3M | $154K | 46.7% |
| CHAMPIONS FUNDING, LLC | 14 | $2.8M | $201K | 7.1% |
| Core Bank | 12 | $3.4M | $284K | 66.7% |
| American National Bank | 12 | $2.5M | $208K | 83.3% |
67 Nebraska loans (1.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Douglas County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Douglas County CSV, all 25 lenders
What Douglas County's table can't show you: fit. Short-term financing is exempt from HMDA, so Douglas County's fix-and-flip and bridge lenders barely appear among its 154 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Douglas County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Douglas County |
|---|---|---|---|
| Pottawattamie County, IA | 311 | 61 | Borders Douglas County |
| Sarpy County, NE | 258 | 82 | Borders Douglas County |
| Lancaster County, NE | 824 | 104 | About 45 miles away |
| Woodbury County, IA | 299 | 36 | About 75 miles away |
| Minnehaha County, SD | 316 | 55 | About 165 miles away |
Run the coverage test on your Douglas County, Nebraska deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Douglas County, Nebraska property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Douglas County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 154 lenders and 1,310 loans: 2025 HMDA loan-level data rolled up to Douglas County.
- Douglas County investor-lender dataset (CSV) — All 25 lenders in the Douglas County, Nebraska table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Douglas County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Omaha-Council Bluffs, NE-IA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Douglas County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.