Investor Market Snapshot – 2026-01-25

The current 30-year mortgage rate at approximately 6.09% and the 10-year Treasury yield at 4.26% indicate a relatively stable interest rate environment. For DSCR underwriting, this stability supports consistent debt coverage ratios, as rental income can more predictably cover debt obligations. However, maintaining adequate reserves remains crucial to mitigate potential fluctuations in rental income or unexpected expenses. In the fix-and-flip sector, the spread between mortgage rates and Treasury yields suggests moderate borrowing costs. This environment allows for manageable financing expenses, but careful attention to draw schedules and contingency planning is essential. Investors should ensure sufficient margins to cover any cost overruns or delays, maintaining flexibility in project timelines. Ready to move? Note: For informational purposes only. Not financial advice. Terms subject to change and underwriting approval. 👉 Apply now