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Wednesday, October 7, 2026 |
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Investor Update
Rental Cash Flow Analysis — Investor Mortgage Update
Benchmark Rates · October 23, 2026 |
▼ -0.05% |
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Conventional 30-Year
6.98% 30-day Range: 6.89%–7.21%
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Conventional 15-Year
6.47% 30-day Range: 6.21%–6.56%
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FHA 30-Year
6.83% 30-day Range: 6.65%–6.96%
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VA 30-Year
6.65% 30-day Range: 6.57%–6.88%
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These are conventional benchmark rates as of October 23, 2026, plus our pricing adjustment. The 30-year fixed sits at 6.98% — down 0.05% from last week. Investor pricing on DSCR, portfolio, and hard-money products typically runs above conventional — let's talk about a deal-specific quote whenever you're ready to underwrite.
Source: Optimal Blue daily mortgage indices via FRED · Includes our pricing adjustment
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Rental Cash Flow Analysis
How to Stress-Test a Rental Before You Buy
A property that pencils at today's rent and zero vacancy will bleed at 8% vacancy and a roof replacement. Build the analysis at three layers: (1) gross rent minus all PITIA (principal, interest, tax, insurance, association), (2) minus 8% vacancy, 8% maintenance, 10% capex reserve, 10% management — even if you self-manage, (3) stress at –10% rent and +1% rate. Anything that still cash-flows after layer 3 is a real deal. Anything that only works at layer 1 is a trap. I've seen investors buy at –$300/month "knowing" rent will appreciate; appreciation is a bonus, not a thesis.
Send me a deal and I'll run all three layers — no obligation.
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DSCR, hard-money, portfolio — send me the property and I'll get terms back fast.
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Program Spotlight
Jumbo Investor
Above conforming, with leverage.
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Investment property loans above the conforming limit with 25–30% down options.
- Up to $3M+
- 25% down on SFR investment
- 12-month reserves typical
- Bank statement programs available
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Investor Tips
Scaling Past 10 Doors
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Conventional caps at 10 financed properties — start positioning into portfolio lenders before you hit the ceiling.
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Standardize your operations: bookkeeping, lease templates, vendor list. Scaling chaos compounds.
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Equity partners and syndications open doors larger than personal balance sheets allow — but vet the structure carefully.
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Tip of the Week
Consider a 15-year mortgage if the payment fits your budget — you'll pay significantly less in total interest.
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303-931-6798 · https://mortgagecma.com · NMLS# 1697336 · Company NMLS# 891464
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