What the numbers say
Investors in Nebraska borrowed at a median rate of 7.125%, versus 6.49% for owner-occupants — a 63 bps premium that ranks 40th of 51 states.
Their applications were denied 8.6% of the time. The leading reasons for denial were debt-to-income ratio, collateral, credit history.
55% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 8% were cash-out refinances. The typical loan-to-value was 74%, implying about 26% down.