APPLY NOW

Investor Market Snapshot – 2026-01-21

Quick take: 30-year mortgage rates are around 6.06%, while the 10-year Treasury sits near 4.24%.
For investors, that means it’s smart to underwrite conservatively on DSCR coverage and protect flip margins with realistic ARVs and a solid contingency.

Mortgage Rate Trend

Rates remain volatile. For DSCR buyers, stress-test rent assumptions and verify taxes/insurance based on current bills—those two inputs move coverage more than most people expect.

10-Year Treasury Yield

The 10-year Treasury often sets the tone for borrowing costs. When it drifts higher, assume tighter coverage requirements and longer refi windows.

What this means for:

  • DSCR: Calculate DSCR on conservative rents (use actual leases or current comps), keep DSCR ≥ 1.1–1.2, and consider interest-only periods to stabilize early coverage.
  • Fix & Flip: Guard your spread—confirm contractor availability, align draw schedules with your scope, and include a 10–15% contingency.
  • Bridge: Line up multiple exit options (sale or DSCR refi) and budget time for market hiccups.

Fast checklist before you apply

  • Current rent roll or lease comps (for DSCR)
  • Property taxes and insurance estimates
  • Rehab scope, line-item budget, and timeline (for Fix & Flip)
  • Entity docs and proof of liquidity for reserves

Ready to move? Apply directly with Prime Property Funding for the fastest decision:

Note: For informational purposes only. Not financial advice. Terms subject to change and underwriting approval.