Monday, September 28, 2026

These are conventional benchmark rates for the week of September 24, 2026. The 30-year fixed sits at 7.16% — up 0.08% 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.

Fix-and-Flip Financing

Hard Money for Fix-and-Flip — Speed Beats Rate

On a flip, your carrying cost ceiling is 6–9 months. Closing in 21 days at 11% beats closing in 60 at 9% every time — interest is usually a rounding error compared to holding costs and lost deals. Most of my hard-money lenders fund up to 90% of purchase + 100% of rehab, with rates from 9.99–11.99% and 1–2 points. Draw schedules align with permit milestones, not arbitrary timelines. The right lender is one who's seen your zip code and underwrites the after-repair value realistically — not one who needs three weeks to spell their own name.

Send me the property and rehab budget — I'll have terms back in 24 hours.

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

Program Spotlight

Asset Depletion

Qualify on what you own.

Liquid assets divided over the loan term create imputed income — no employment or W-2 required.

• Brokerage + retirement + cash count
• Up to $3M+ loan amounts
• Primary, second home, or investment
• Interest-only available

Investor Tips

Tax Strategy for Investors

Tip of the Week

If you're self-employed, keeping clean financial records for two years makes mortgage qualification much smoother.

Your Mortgage Advisor