Investing in Dawson County
Dawson County covers 3 rental markets we actively finance in Nebraska — Cozad, Gothenburg, Lexington. Across those markets the median investment basis averages $175,000, a long-term lease averages $1,475/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $1,292. That produces a county-wide average DSCR ratio near 1.14x.
Basis varies more inside Dawson County than the average suggests. Cozad is the lowest entry point at roughly $155,000, while Cozad currently models the strongest coverage ratio in the county at 1.18x. When two towns in the same county ratio differently, it is almost always the rent-to-price relationship rather than the rate — the same loan pricing applies county-wide, so the deal is won on which submarket you buy in.