2236 Scotch Pine TrlLincolnNE68512
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2236 Scotch Pine Trl, Lincoln, NE, 68512 in Lincoln is capital appreciation. Rental yield 4.71%. The 4.71% gross yield at $489,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $135,102 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.87) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $97,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.2% |
| Monthly Cash Flow | $(1,383) | $450 |
City averages based on Lincoln market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,919 |
| Total Monthly Debt Service | $3,108 |
| DSCR Ratio | 0.62x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2004
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68512, Lincoln, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,940 (100%) |
| Owner Occupied HU | 3,739 (62.9%) |
| Renter Occupied HU | 2,011 (33.9%) |
| Vacant Housing Units | 190 ( 3.2%) |
| Median Home Value | $355,522 |
| Average Home Value | $426,365 |
Housing Distribution
Address Breakdown
Residential
5,816
Single Family
4,756
Multi-Family
1,060
Businesses
464
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 2004
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 68512, Lincoln, NE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,940 (100%) |
| Owner Occupied HU | 3,739 (62.9%) |
| Renter Occupied HU | 2,011 (33.9%) |
| Vacant Housing Units | 190 ( 3.2%) |
| Median Home Value | $355,522 |
| Average Home Value | $426,365 |
Housing Distribution
Address Breakdown
Residential
5,816
Single Family
4,756
Multi-Family
1,060
Businesses
464
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices