Monday, October 5, 2026

These are conventional benchmark rates for the week of October 1, 2026. The 30-year fixed sits at 7.41% — up 0.25% 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.

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.

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

Program Spotlight

Jumbo Investor

Above conforming, with leverage.

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

Investor Tips

Scaling Past 10 Doors

Tip of the Week

Consider a 15-year mortgage if the payment fits your budget — you'll pay significantly less in total interest.

Your Mortgage Advisor