Nebraska Apartment Loan Rates
Select Commercial offers some of the most competitive Nebraska apartment loan rates available, with 5, 7, and 10-year fixed-rate options starting as low as 5.73% as of May 6, 2026. As one of the most experienced apartment lenders in Nebraska, we arrange apartment building loans and apartment building financing for properties valued between $1.5 million and $6 million, with up to 80% LTV, 30-year amortizations, and no upfront fees. For loans over $6 million, see our Nebraska multifamily loan options.
| NE Apartment Loan Rates Less Than $6 Million | Free Loan Quote | ||
|---|---|---|---|
| Loan Type | Rate* | LTV | |
| Apartment Loan 5 Yr Fixed | 5.73% | Up to 80% | |
| Apartment Loan 7 Yr Fixed | 5.73% | Up to 80% | |
| Apartment Loan 10 Yr Fixed | 5.79% | Up to 80% | |
*Rates start as low as the rates stated here. Your rate, LTV, and amortization will be determined by underwriting.
Nebraska apartment loan rates are priced based on the U.S. Treasury yield curve. As of May 6, 2026, the 10-year Treasury yield is 4.352% and the 5-year Treasury yield is 4.000%, which directly influences current pricing on apartment building loans in Nebraska.
Want a personalized quote? Click here to request a customized loan quote for your Nebraska apartment property.
Why Select Commercial Offers Competitive Nebraska Apartment Loan Rates
When investors search for the best apartment loan rates in Nebraska, Select Commercial consistently delivers some of the most competitive pricing available for properties under $6 million. We work directly with Fannie Mae Small Loan, Freddie Mac SBL, CMBS conduits, life insurance companies, banks, and credit unions, which means borrowers gain access to a wide network of apartment lenders in Nebraska rather than the rates of a single bank. This multi-source approach allows us to consistently match borrowers with the lowest available rate and best terms for their specific apartment property.
Our Nebraska apartment building financing programs include 5, 7, and 10-year fixed-rate options, up to 80% LTV, 30-year amortizations, non-recourse availability, and no upfront fees. Whether you are acquiring, refinancing, or pulling cash out of a stabilized apartment property valued between $1.5 million and $6 million, our team structures apartment building loans tailored to your investment goals.
Need a multifamily loan over $6 million? Visit our Nebraska multifamily loan page. For other commercial property types, explore our Nebraska commercial mortgage options. To compare all rates nationwide, see commercial mortgage rates.
2026 Nebraska Apartment Loan Market Overview
Entering 2026, Nebraska presents a stable, income-focused apartment market anchored by Omaha and Lincoln. For borrowers evaluating apartment loans, the state benefits from diversified employment across finance, insurance, logistics, and education, along with steady renter demand and relatively affordable housing. This environment supports apartment building financing strategies centered on consistent occupancy, predictable rent collections, and long-term performance.
Development activity across Nebraska has remained measured, with new supply primarily concentrated in core urban and suburban corridors. Absorption has generally kept pace with deliveries, helping maintain balanced vacancy levels. For apartment lenders, Nebraska offers an underwriting profile focused on stability, tenant quality, and income durability rather than aggressive rent growth assumptions.
Omaha Anchors Nebraska Apartment Loans
Omaha remains the primary driver of apartment activity across Nebraska. In 2026, the metro is projected to add approximately 8,000 jobs, deliver roughly 3,000 units, maintain vacancy near 5.8%, and reach average effective rent around $1,350 per month. For borrowers seeking an apartment building loan, Omaha offers scale, strong employment diversity, and steady renter demand.
Lincoln Provides Government and University Stability
Lincoln offers a stable apartment market supported by state government and the University of Nebraska. The city has a population of approximately 295,000, median household income near $65,000, median rent around $1,300, and median home value near $300,000. These fundamentals support consistent occupancy and reliable rent performance.
Bellevue Adds Suburban Demand
Bellevue contributes a smaller suburban apartment market influenced by proximity to Omaha and Offutt Air Force Base. The city has a population of approximately 65,000, median household income near $75,000, median rent around $1,250, and median home value near $280,000. This supports steady renter demand and stable performance.
Rent Levels Reflect Midwest Affordability
Nebraska maintains an affordable rent profile relative to national averages. Omaha is projected near $1,350 per month, with Lincoln and Bellevue slightly below or near that level. This allows borrowers to structure apartment loans across both urban and suburban investment strategies focused on stability.
2026 Nebraska Apartment Loan Market Forecast
- Employment: Omaha is projected to add approximately 8,000 jobs.
- Construction: Omaha is projected to deliver roughly 3,000 units.
- Vacancy: Vacancy is projected near 5.8%.
- Rent: Average effective rent is projected near $1,350 per month.
For investors comparing apartment loans in Nebraska, 2026 reflects a market centered on stability and affordability. Omaha provides the primary scale and liquidity, while Lincoln and Bellevue offer complementary opportunities supported by government, education, and suburban demand.
2026 Omaha Nebraska Apartment Loan Market Overview
Omaha is Nebraska's largest city and the primary driver of apartment loans in Nebraska, anchoring the state's most active rental investment market as the economic hub of the Greater Plains region and home to one of the nation's most concentrated Fortune 500 corporate clusters. The city has a population of approximately 488,837 residents as of 2024, with a median household income of approximately $73,201 and a median property value of approximately $245,500 as of 2024, approximately 35% below the national average. Approximately 83,308 renter-occupied households represent approximately 42% of all occupied housing units. Current data points to an average apartment rent of approximately $1,324 per month as of March 23, 2026, up 4.24% year-over-year, and a median rent of approximately $1,245 per month. Omaha's cost of living is approximately 10% below the national average, its diversified Fortune 500 employment base, and consistent population stability continue to support strong demand for Nebraska apartment loans across the metro.
Omaha Nebraska Apartment Loan Rates and Financing in 2026
Financing conditions for Nebraska apartment loans remain active in Omaha in 2026, with strong lender participation supporting transactions across stabilized Class A and B assets, value-add acquisitions in the city's established pre-war and 1970s rental stock, and newer suburban garden communities near major corporate campuses. The median property value of approximately $245,500 is approximately 35% below the national median, and Omaha's median home sale price of approximately $285,000 as of late 2025 reflects a market where homeownership is accessible yet the approximately 42% renter-occupied rate indicates structural rental demand from a diverse workforce. The home-value-to-income ratio supports affordable ownership, but approximately 45,000 companies including more than half a dozen Fortune 100 and Fortune 500 headquarters generate consistent professional and workforce renter demand at all income tiers. For borrowers seeking an apartment building loan in Omaha, the city's low acquisition cost basis, above-average rent growth of approximately 4.24% year-over-year, and diversified employment support a practical underwriting environment within the broader Nebraska apartment building financing landscape.
Trends in the Omaha Nebraska Apartment Market
Omaha's rental market benefits from one of the most impressive Fortune 500 concentrations of any Midwest city, including Berkshire Hathaway, Union Pacific Railroad, Mutual of Omaha, First National Bank of Omaha, and ConAgra Foods, earning the city the informal designation as the 'Silicon Prairie' of financial services, agribusiness, and technology. Healthcare and social assistance is the largest employment sector at approximately 38,745 workers, anchored by the University of Nebraska Medical Center and Nebraska Medicine; retail trade follows at approximately 26,370 workers; and educational services at approximately 24,496 workers, led by the University of Nebraska at Omaha, which awarded approximately 3,527 degrees in 2023, and Creighton University with approximately 2,762 degrees. The city's median age of approximately 35.3 years reflects a young professional demographic, and renters in the 25 to 34 age group make up the largest renter cohort at 28%. These fundamentals continue to attract Nebraska apartment lenders evaluating the state's primary market.
Omaha Nebraska Apartment Loan Rent Levels in 2026
As of March 23, 2026, the average apartment rent in Omaha is approximately $1,324 per month, up 4.24% from $1,270 the prior year, and the median rent across all property types is approximately $1,245 per month, approximately 36% below the national average. By unit type: studios average approximately $995/month, one-bedrooms average approximately $1,165/month, two-bedrooms average approximately $1,493/month, and three-bedrooms average approximately $1,767/month. Approximately 52% of all Omaha rentals are priced between $1,001 and $1,500 per month, reflecting the predominantly workforce and professional mid-tier rental base. The Aksarben-Elmwood Park neighborhood commands the highest rents at approximately $1,772/month for one-bedrooms, and the Morton Meadows and Dodge Street Corridor submarkets average approximately $1,510 and $1,496/month. These rent levels support consistent underwriting for apartment loans in Nebraska where low acquisition costs and Fortune 500 employment anchor stable occupancy across economic cycles.
Omaha Nebraska Apartment Loan Supply and Demand in 2026
Omaha carries a balanced supply-demand profile with a citywide vacancy rate of approximately 7.44%, reflecting consistent but measured absorption of a well-diversified rental inventory across urban, suburban, and transitional neighborhoods. The market recorded approximately 496 homes sold in October 2025, up from 416 the prior year, indicating strengthening demand despite the broader mortgage rate environment. Homes in Omaha are selling in approximately 22 days on average, and rent growth of approximately 4.24% year-over-year outpaced the national trend, demonstrating that demand is absorbing available supply without creating oversupply conditions. Approximately 45% of Omaha's rental stock was built between 1939 and 1969, with the pre-war and 1960s vintages each representing approximately 17% and 13% of all units, creating a deep inventory of value-add repositioning candidates at low acquisition costs. For borrowers pursuing apartment building financing in Nebraska, Omaha's balanced vacancy, strong rent growth, and diversified employment base support a stable and predictable underwriting environment.
Opportunities for Apartment Investment in Omaha Nebraska
Investors pursuing a Nebraska apartment loan in Omaha in 2026 are focused on long-term income stability from diversified tenant bases near major Fortune 500 corporate campuses and healthcare corridors, value-add acquisitions in the Old Market Area, Midtown, and Aksarben neighborhoods where young professional demand is strongest, and suburban stabilized holds in the West Omaha and Elkhorn corridors where consistent household formation supports durable rental demand. The median property value of approximately $245,500 is approximately 35% below the national median, providing one of the most compelling entry cost environments among major Midwest cities. Omaha's average commute of approximately 20 minutes reinforces its compact quality-of-life appeal. For Nebraska apartment lenders evaluating the state's primary market, Omaha offers the most diversified Fortune 500 employment base in the Great Plains, above-average rent growth, and a low acquisition cost structure that supports strong long-term performance for apartment building loans throughout the metro.
2026 Lincoln Nebraska Apartment Loan Market Overview
Lincoln is Nebraska's capital and second-largest city, anchoring consistent demand for apartment loans in Nebraska through a stable institutional employment base anchored by the University of Nebraska-Lincoln, state government, and a growing healthcare sector. The city has a population of approximately 305,010 residents as of 2026, growing at approximately 0.73% annually, having grown approximately 4.51% since the 2020 census. The median household income is approximately $71,867 and the median property value is approximately $273,500 as of 2024. Approximately 53,360 renter-occupied households represent approximately 44% of all occupied housing units. Current data points to an average apartment rent of approximately $1,324 to $1,341 per month, with rent growth of approximately 3.59% year-over-year, and a median rent of approximately $1,109 to $1,114 per month, approximately 42% below the national average. Lincoln's low acquisition costs, institutional employment stability, and strong university renter demand continue to support consistent interest in Nebraska apartment loans across the metro.
Lincoln Nebraska Apartment Loan Rates and Financing in 2026
Financing conditions for Nebraska apartment loans remain favorable in Lincoln in 2026, with lenders supporting stabilized assets near the University of Nebraska-Lincoln and state government corridors, value-add acquisitions in the city's large 1970s through 1990s vintage rental stock, and newer construction in Southwest and East Lincoln near major retail and employment corridors. The median property value of approximately $273,500 as of 2024 and a median home value of approximately $265,255 reflect a modestly priced market where the approximately 44% renter-occupied rate is structurally supported by the city's large student and young professional population. Lincoln's housing cost is approximately 18% less expensive than the national average, supporting favorable initial cap rates on stabilized assets. For borrowers seeking an apartment building loan in Lincoln, the city's low acquisition basis, consistent rent growth of approximately 3.59% annually, and deeply entrenched institutional employment base provide a practical underwriting profile within the broader Nebraska apartment building financing landscape.
Trends in the Lincoln Nebraska Apartment Market
Lincoln's rental market is driven by three durable institutional pillars. Healthcare and social assistance leads at approximately 26,099 workers, anchored by Bryan Health and CHI Health St. Elizabeth. Educational services follows at approximately 24,258 workers, anchored by the University of Nebraska-Lincoln, which awarded approximately 6,153 degrees in 2023, the most of any institution in the state, and Southeast Community College with approximately 1,398 degrees. Retail trade rounds out the top three at approximately 19,599 workers. Additional major employers include the Nebraska State Capitol and state government agencies, Kawasaki Manufacturing, Zoetis, Ameritas Life Partners, and Allstate. Employment in Lincoln grew approximately 0.834% year-over-year from 2023 to 2024. The city's median age of approximately 33.4 years is among the youngest of any Nebraska city, and the 15 to 24 age group makes up approximately 19.5% of the population, reflecting consistent student renter demand. Renters in the 25 to 34 age group make up the largest professional cohort at 27%. These fundamentals continue to attract Nebraska apartment lenders evaluating the state's university and capital market.
Lincoln Nebraska Apartment Loan Rent Levels in 2026
The average apartment rent in Lincoln is approximately $1,324 to $1,341 per month, up approximately 3.59% year-over-year, and the median rent across all property types is approximately $1,109 to $1,114 per month, approximately 42% below the national average. By unit type: studios average approximately $963/month, one-bedrooms average approximately $1,156/month, two-bedrooms average approximately $1,399/month, and three-bedrooms average approximately $1,651/month. Approximately 56 to 58% of all Lincoln rentals are priced between $1,001 and $1,500 per month, reflecting a market concentrated heavily in the affordable and workforce tier. The South Salt Creek neighborhood commands the highest rents at approximately $2,090/month and Downtown Lincoln averages approximately $2,026/month, while Capitol Beach averages approximately $1,593/month. Lincoln's median monthly rent is approximately 10% below the national average, supporting consistent underwriting for apartment loans in Nebraska where low acquisition costs and institutional employment anchor above-average initial yields.
Lincoln Nebraska Apartment Loan Supply and Demand in 2026
Lincoln carries a well-balanced supply-demand profile with an overall housing vacancy rate of approximately 4.5%, indicating a market where demand consistently meets available inventory without meaningful oversupply. Rent growth of approximately 3.59% annually outpacing the prior year's $1,294 average confirms that demand is absorbing new deliveries at a steady pace. Approximately 44% of Lincoln's rental stock was built between 1970 and 1999, with the 1970s vintage representing the largest cohort at approximately 16% of all units, creating a deep inventory of value-add repositioning candidates at low per-unit acquisition costs. Two-bedroom units make up the largest share of rental inventory at approximately 38% of all units. Lincoln's average commute of approximately 19.2 minutes reinforces its compact, walkable appeal for university and professional renters. For borrowers pursuing apartment building financing in Nebraska, Lincoln's balanced vacancy, consistent rent growth, and deeply stable institutional employment base support a predictable and income-focused underwriting environment.
Opportunities for Apartment Investment in Lincoln Nebraska
Investors pursuing a Nebraska apartment loan in Lincoln in 2026 are focused on stable income and long-term tenant retention from assets near the University of Nebraska-Lincoln campus, Bryan Health, and the Nebraska State Capitol, value-add acquisitions in the city's extensive 1970s through 1990s vintage rental stock where consistent rent growth of approximately 3.59% annually supports steady income improvement, and stabilized workforce-tier holds in the $1,001 to $1,500 price band where approximately 56 to 58% of all rentals are priced, ensuring the largest and most liquid renter pool. Lincoln's median home value of approximately $265,255 and housing costs approximately 18% below the national average provide a per-unit acquisition basis that supports some of the highest initial cap rates of any Nebraska market. For Nebraska apartment lenders evaluating the state's capital and university market, Lincoln offers deeply stable institutional employment, a young median-age renter base, and consistent rent growth that supports strong long-term performance for apartment building loans throughout the metro.
2026 Bellevue Nebraska Apartment Loan Market Overview
Bellevue is Nebraska's third-largest city and the most strategically positioned suburban apartment market for apartment loans in Nebraska, located approximately 10 miles south of Downtown Omaha and home to Offutt Air Force Base, one of the most mission-critical military installations in the United States Air Force and the dominant employment anchor for the city's rental market. The city has a population of approximately 64,588 residents as of 2026 and a median household income of approximately $85,462, approximately 17% above the national median, reflecting the premium income profile of military households, government contractors, and Omaha commuter professionals. The median home value is approximately $360,000 and approximately 8,950 renter-occupied households represent approximately 37% of all occupied housing units. Current data points to an average apartment rent of approximately $1,369 to $1,425 per month, up approximately 3.4 to 3.8% year-over-year, and a median rent of approximately $1,258, approximately 35% below the national average. Bellevue's stable military employment, high household incomes, and Omaha commuter demand continue to support consistent interest in Nebraska apartment loans in the state's premier suburban military market.
Bellevue Nebraska Apartment Loan Rates and Financing in 2026
Financing conditions for Nebraska apartment loans remain favorable in Bellevue in 2026, with lenders supporting stabilized suburban assets near Offutt Air Force Base, workforce and military housing communities with consistent BAH-supported lease demand, and value-add acquisitions in the city's established 1970s through 2000s vintage rental stock. The Basic Allowance for Housing rate at Offutt increased approximately 2.7% in 2026, with E-5 with dependents receiving approximately $2,085/month and O-3 with dependents receiving approximately $2,601/month, directly anchoring rental income on military-adjacent properties. The median home value of approximately $360,000 creates homeownership barriers that channel a consistent share of the military and professional workforce into the rental market. For borrowers seeking an apartment building loan in Bellevue, the city's BAH-supported baseline demand, above-average household incomes, and deeply stable government employment anchor a durable underwriting profile within the broader Nebraska apartment building financing landscape.
Trends in the Bellevue Nebraska Apartment Market
Bellevue's rental market is defined primarily by Offutt Air Force Base, home to the 55th Wing and one of the Air Force's premier intelligence, surveillance, and reconnaissance missions, which generates consistent rotational military renter demand as personnel cycle through assignments on one to four year tours. BAH increased approximately 2.7% in 2026 for the Omaha-Offutt Military Housing Area, directly supporting rent capacity on military-adjacent rental properties. Beyond the base, Bellevue University attracts students, staff, and faculty, and Nebraska Medicine Bellevue Medical Center and CHI Health clinics add healthcare sector employment. Major employers accessible within approximately 20 minutes via US-75 and I-80 include Berkshire Hathaway, Mutual of Omaha, Union Pacific Railroad, and the University of Nebraska Medical Center in Omaha, making Bellevue an attractive commuter market. Renters in the 25 to 34 age group make up the largest cohort at 28%, followed by the 35 to 44 age group at 22%. Approximately 49% of Bellevue rental households are family households, with approximately 29% including children under 18. These fundamentals continue to attract Nebraska apartment lenders evaluating the state's military suburban market.
Bellevue Nebraska Apartment Loan Rent Levels in 2026
The average apartment rent in Bellevue is approximately $1,369 to $1,425 per month, up approximately 3.4 to 3.8% year-over-year, and the median rent is approximately $1,258, approximately 35% below the national average. By unit type: studios average approximately $1,052/month, one-bedrooms average approximately $1,073/month, two-bedrooms average approximately $1,349/month, and three-bedrooms average approximately $1,621 or more per month. Approximately 53 to 56% of all Bellevue rentals are priced between $1,001 and $1,500 per month. The Pheasant Ridge, Golden Hills, and Fairview Crossing neighborhoods command the market's premium rents, while Mission Gardens and Birchcrest represent the most affordable tiers. Bellevue rents are approximately 34% below the national average, supporting favorable initial yields on stabilized assets for apartment loans in Nebraska where BAH payments and Omaha commuter incomes anchor consistent lease performance.
Bellevue Nebraska Apartment Loan Supply and Demand in 2026
Bellevue carries a well-balanced supply-demand profile anchored by the non-negotiable rotational nature of military assignment cycles that generate consistent turnover and re-leasing demand regardless of broader economic conditions. Approximately 51% of Bellevue's rental stock was built between 1970 and 2009, with the 1970s vintage representing approximately 19% of all units and the 1990s approximately 17%, creating a large inventory of mid-vintage assets that trade at favorable per-unit acquisition costs relative to the city's above-average household income base. Two-bedroom units make up the largest share of rental inventory at approximately 40% of all units, consistent with the city's strong family renter demographic. The average commute of approximately 20 minutes to both Offutt and Downtown Omaha reinforces Bellevue's dual-draw appeal for military and civilian workforce renters. For borrowers pursuing apartment building financing in Nebraska, Bellevue's BAH-supported demand floor, consistent family renter base, and Omaha proximity support a stable and income-predictable underwriting environment.
Opportunities for Apartment Investment in Bellevue Nebraska
Investors pursuing a Nebraska apartment loan in Bellevue in 2026 are focused on stable income and long-term occupancy from military-adjacent assets within easy commute distance of Offutt Air Force Base, where BAH rates of approximately $2,085 to $3,231/month across enlisted and officer pay grades anchor rent capacity well above the city's median rent level, value-add acquisitions in the city's established 1970s through 1990s vintage stock near the base perimeter where family renter demand is strongest, and commuter-oriented suburban holds in the Pheasant Ridge and Golden Hills corridors where Omaha professional renter demand supports premium pricing. Bellevue's median household income of approximately $85,462 is approximately 17% above the national median, providing consistent rent support across all asset classes. For Nebraska apartment lenders evaluating the state's premier military suburban market, Bellevue offers the most durable government-anchored demand of any Nebraska city, above-average household incomes, and a stable family renter base that supports strong long-term performance for apartment building loans throughout the metro.
Why Choose Select Commercial for Apartment Loans
What sets Select Commercial apart from traditional lenders and large banks? In this short video, we highlight the key reasons apartment building investors choose to work with us for Nebraska apartment loans between $1.5 million and $6 million. We also actively finance multifamily loans exceeding $6 million.
Here's what the video touches on:
- No upfront application or processing fees
- Fast written pre-approvals often within 24 hours
- Access to a wide range of apartment lenders, not just one bank
- Loan structures tailored to your property and investment goals
Apartment Property Types We Finance in Nebraska
At Select Commercial, we arrange financing for a wide range of Nebraska apartment buildings, from smaller 5+ unit walkups to large portfolios of rental properties. Whether your property is urban, suburban, or mixed-use, we can help you secure the right loan structure based on your investment goals.
- Urban mid-rise and high-rise apartment buildings
- Suburban garden-style apartment complexes
- Small apartment buildings with 5+ units
- Mixed-use properties with residential and limited commercial space
- Underlying co-op apartment building loans
- Portfolios of small apartment or single-family rental properties
- Stabilized buildings with strong cash flow and rent history
If you're not sure whether your property qualifies, contact us for a free quote and we'll review your deal and let you know within 24 hours.
Recent Apartment Loan Closings
Why Nebraska Borrowers Choose Select Commercial
Thousands of apartment building investors trust Select Commercial for our direct, transparent approach and proven expertise in the Nebraska apartment loan market. We're not just brokers, we provide personalized service, fast answers, and access to top institutional lenders without the bureaucracy of traditional banks.
- Over 30 years of apartment loan experience with a national platform
- No upfront fees and fast pre-approvals, often within 24 hours
- Direct access to top lenders offering aggressive terms
- Dedicated support from quote to closing
Want to see why so many clients return to us for their next deal? Start with a free quote – we'll review your scenario and respond quickly.
Our Reviews
Latest Expert Insights from Stephen A. Sobin
Stephen A. Sobin, the president of Select Commercial Funding LLC, is a renowned expert in the field of multifamily financing. His insights and perspectives are regularly sought by leading industry publications. Here are his latest contributions that highlight his deep understanding of the multifamily financing landscape and his commitment to providing clear, insightful analysis on key industry issues.
Navigating Opportunity, Risk as 2025 Winds Down
In an article for Commercial Property Executive titled "Navigating Opportunity, Risk as 2025 Winds Down", Sobin explains as we head into the final stretch of 2025, the commercial real estate industry stands at a pivotal moment. After several years of upheaval—from pandemic disruptions to aggressive Federal Reserve rate hikes and lasting shifts in how people live and work—the sector is entering a new phase.
Why Lower Rates Haven't Fixed Commercial Real Estate
In an article for Wealth Management titled "Why Lower Rates Haven't Fixed Commercial Real Estate", Sobin explains that even as the Federal Reserve has begun cutting rates and borrowing costs should be falling, the commercial real estate sector remains locked in a frustrating stalemate. For high-net-worth investors trying to time the market, he emphasizes that understanding this disconnect requires looking beyond the headlines.
Why the Fed Rate Cut’s a Game Changer for CRE
In an article featured in Multi-Housing News, Stephen Sobin highlighted that after months of speculation and market anticipation, the Federal Reserve finally pulled the trigger last week, cutting the federal funds rate by 25 basis points to 4.00 to 4.25 percent. read the full article.
Inflation's Current Impact on Apartment
In an article featured in Multi-Housing News, Sobin explains how commercial mortgage rates continue to challenge investors, with elevated inflation depressing real estate market activity. Read the full article.
Will the July Jobs Report Pressure the Fed to Act?
Sobin noted in Multi-Housing News that unemployment hit a three-year high and job creation slowed significantly, factors that could push the Fed to reconsider future rate hikes. Read the full article.
Persistent Inflation and Its Effects on CRE
In an article featured in Multi-Housing News, Stephen Sobin highlighted that while inflation is still a challenge for the Federal Reserve, there are many positive signs for the commercial real estate industry. The headline Consumer Price Index rose 3.2 percent for the year ended Feb. 29, a figure 20 basis points lower than the Dec. 31, 2023, rate. read the full article.
Commercial Spotlight: Mid-Atlantic Region In this four-state powerhouse, smaller metros are thriving.
In a feature in Scotsman Guide, the Mid-Atlantic Region's real estate dynamics are explored, highlighting its resilience and growth amidst the pandemic.
Stephen Sobin of Select Commercial Funding LLC shared insights on the New York market's allure and the challenges buyers face. He noted the shift from primary urban areas to tertiary markets due to evolving preferences and financial conditions. For a deeper dive into Sobin's analysis, read the full article.
What the New Jobs Report Means for CRE
In an article titled "What the New Jobs Report Means for CRE" in Commercial Property Executive, Stephen Sobin shared his perspective on the latest jobs report and its implications for the Commercial Real Estate (CRE) sector. He highlighted the challenges posed by high interest rates and the prevailing uncertainty in the market. Sobin remarked, "Sellers aren’t selling, buyers aren’t buying... Everyone is waiting because no one knows what to expect." For a detailed analysis and more of Sobin's insights, read the full article.
Decoding "Junk Fees" in Rental Housing
In another latest contribution to Multi-Housing News, Sobin provided expert commentary in an article titled "What's Next for Junk Fees? The Industry Weighs In". He clarified the difference between legitimate fees collected for various third-party services and so-called "junk fees". Sobin emphasized the importance of borrowers understanding their rights in negotiating all loan terms and the obligation of lenders to disclose all fees.
Understanding the Impact of Federal Reserve's Decisions
In a recent article titled "How the Fed's Pause on Interest Rates Impacts Multifamily" published by Multi-Housing News, Sobin shared his expert insights on the Federal Reserve's decision to pause interest rate hikes. He accurately predicted that the Fed would not raise rates in June, citing recent bank failures and lingering concerns about a potential recession.
Stay tuned for more expert insights from Stephen A. Sobin on the evolving multifamily financing landscape.
Frequently Asked Questions About Nebraska Apartment Loans
As of May 6, 2026, Select Commercial offers Nebraska apartment loan rates starting as low as 5.73% on 5, 7, and 10-year fixed-rate options for apartment properties valued between $1.5 million and $6 million. Final rates depend on loan-to-value ratio (LTV), debt service coverage ratio (DSCR), borrower credit and experience, and current market conditions. View the full Nebraska apartment loan rate table above for current pricing across loan terms.
Most lenders require a debt service coverage ratio (DSCR) of at least 1.25, good borrower credit, sufficient net worth and liquidity, and prior real estate ownership experience. Loan-to-value (LTV) ratios typically range from 65% to 80% depending on the loan program and current market conditions. Properties with strong occupancy and clean operating financials qualify for the most favorable Nebraska apartment loan terms.
Most apartment lenders in Nebraska require a 20% to 25% down payment. Your final loan-to-value ratio will be determined by the property's debt service coverage ratio (DSCR), occupancy, location, and overall financial performance.
A qualified broker like Select Commercial can present your loan to many different capital sources, including banks, credit unions, CMBS conduits, agency lenders (Fannie Mae and Freddie Mac), life insurance companies, and private funds. This multi-source approach increases the odds of approval and helps you secure the most favorable rates and terms available across the Nebraska apartment lender market.
The process starts with gathering financials including a current rent roll, trailing 12-month income and expense statement, borrower resume, and a personal financial statement. A mortgage broker will analyze your documents and match you with the best lending program for your Nebraska apartment property. Start with a Free Quote today.
Select Commercial is a leading provider of competitive Nebraska apartment loan rates for properties valued between $1.5 million and $6 million. Through our access to Fannie Mae Small Loan, Freddie Mac SBL, CMBS, life insurance company, bank, and credit union capital, we consistently match borrowers with the lowest available rate and best terms for their specific apartment property. As of May 6, 2026, our Nebraska apartment loan rates start as low as 5.73%.
Yes. While this page focuses on apartment loans under $6 million, Select Commercial also arranges larger balance loans for qualified borrowers. Visit our Nebraska multifamily loan page for options over $6 million.
Agency Small Balance Apartment Loan Programs
Select Commercial connects borrowers with top-tier agency small balance loan programs in addition to bank and private capital options. Featured programs include:
- Fannie Mae® Small Loan Program – For apartment properties with 5+ units and loan sizes from $1 million to $6 million
- Freddie Mac® Small Balance Loan (SBL) Program – Streamlined financing solutions up to $6 million
- Loans Over $6 Million – Explore large-balance apartment loan programs in Nebraska
These agency-backed options offer competitive fixed rates, non-recourse terms, and simplified underwriting for qualified apartment investors.
Nebraska Apartment Building Financing
Select Commercial provides apartment building financing and Nebraska commercial mortgages throughout the state of Nebraska including but not limited to the areas below.