Monday, September 14, 2026

These are conventional benchmark rates for the week of September 10, 2026. The 30-year fixed sits at 6.88% — up 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.

DSCR Loans

DSCR Lending: Qualify the Property, Not Yourself

Debt Service Coverage Ratio loans qualify you on the deal's rent-to-PITI ratio rather than personal income or DTI. If a property rents for $2,200 against a $2,000 mortgage payment, you're at a 1.10 DSCR — most lenders approve at 1.0+. No tax returns, no W-2s, no employment verification required. Down payments typically run 20–25% with rates ~1–1.5% above conventional. This is the workhorse product for portfolio investors who've maxed out conventional loan counts or are buying through an LLC. I can typically close DSCR purchases in 21 days from contract.

Have a deal under contract? Send me the rent comps and I'll quote it today.

DSCR, hard-money, portfolio — send me the property and I'll get terms back fast.

Program Spotlight

1031 Exchange Bridge

Replace property within 45/180.

Coordinated with your QI so the replacement closes inside the 1031 window — even when timing is tight.

• Pre-approval before sale closes
• 45/180 timeline experience
• QI-coordinated draws
• Bridge if permanent isn't ready

Investor Tips

When to Sell vs. Refi vs. Hold

Tip of the Week

Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.

Your Mortgage Advisor