Monday, October 26, 2026

These are conventional benchmark rates as of October 29, 2026, plus our pricing adjustment. The 30-year fixed sits at 7.27% — down 0.10% 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

Hard Money Lending

Hard Money Done Right: Speed, Leverage, and an Exit

Hard money exists for one reason: speed and asset-based qualifying. Use it for distressed acquisitions, rehab, auctions, and short-fuse closings — not as a permanent solution. Two non-negotiables: (1) a clear exit (refi, sale, or 1031) within 9 months, and (2) leverage that survives a 10% appraisal miss. Most failures aren't about the cost of capital — they're about exit assumptions that don't hold. A good hard-money lender quotes terms within 48 hours and funds in 7–14 days. I work with several whose track records I trust and can match the right lender to the deal type.

Need to close fast? Send me the deal and I'll line up the right HM partner.

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

Program Spotlight

Foreign National

No US SSN required.

Investment property loans using ITIN, passport, and international credit references for foreign-based investors.

• 30%+ down typical
• ITIN or passport ID
• 6–12 months US reserves
• LLC vesting standard

Investor Tips

Underwriting Discipline

Tip of the Week

Test your sump pump before the rainy season by pouring water into the pit — a failed pump can lead to serious basement flooding.

Your Mortgage Advisor