These are national mortgage index rates as of October 29, 2026. The 30-year fixed is at 7.15% — down 0.10% from last week, FHA at 7.04%, and VA at 6.79%. For exact rates tailored to your buyers, reach out to your loan officer directly.

Fuente: índices hipotecarios diarios de Optimal Blue vía FRED

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DSCR Loans Let Investors Buy on Cash Flow — Not Personal Income

Investor activity in this market remains strong, and the product fueling it is the DSCR loan — Debt Service Coverage Ratio. Unlike conventional investment property loans, DSCR doesn't look at the buyer's personal income at all. It qualifies based on the property's rent-to-mortgage ratio. If the home rents for $2,200 and the mortgage is $2,000, the DSCR is 1.1 — most lenders will approve at that level. This means a W-2 employee with a maxed-out debt ratio, a self-employed investor, or a foreign national can qualify based purely on the deal's cash flow numbers. There's no income documentation, no employment verification, no tax returns. Down payments are typically 20–25%, and rates run about 1–1.5% above conventional. I can close these in 21 days. If you're working with investors — or want to start — I can help you identify which of your listings would pencil as rentals and use that to attract qualified investor buyers. Let's talk.

I'll run DSCR numbers on any property in your portfolio — reach out today.

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Non-Warrantable Condo Financing

Get buyers into condos that conventional lenders reject.

Many condo buildings fail Fannie/Freddie warrantability tests — too many investor units, pending litigation, or HOA issues. Portfolio and non-QM lenders have programs for these buildings that your buyers are being turned away from.

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

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