130 S 38th StLincolnNE68510
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 130 S 38th St, Lincoln, NE, 68510 in Lincoln at $178,700 earns $1,314/mo in rent and nets $107/mo after the $804/mo payment, a 8.82% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $49,372 over five years. Ziffy Mortgage underwrites this on a 1.63 DSCR without U.S. credit history. With $1,646/yr in principal paydown, total projected return reaches $75,084.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.2% |
| Monthly Cash Flow | $107 | $450 |
City averages based on Lincoln market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,314 |
| Total Monthly Debt Service | $1,136 |
| DSCR Ratio | 1.16x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1950
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68510, Lincoln, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,221 (100%) |
| Owner Occupied HU | 5,188 (50.8%) |
| Renter Occupied HU | 4,325 (42.3%) |
| Vacant Housing Units | 708 ( 6.9%) |
| Median Home Value | $254,031 |
| Average Home Value | $305,227 |
Housing Distribution
Address Breakdown
Residential
9,615
Single Family
8,210
Multi-Family
1,405
Businesses
840
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1950
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68510, Lincoln, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,221 (100%) |
| Owner Occupied HU | 5,188 (50.8%) |
| Renter Occupied HU | 4,325 (42.3%) |
| Vacant Housing Units | 708 ( 6.9%) |
| Median Home Value | $254,031 |
| Average Home Value | $305,227 |
Housing Distribution
Address Breakdown
Residential
9,615
Single Family
8,210
Multi-Family
1,405
Businesses
840
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices