Investor Mortgage Report – Week of April 14th, 2025

Categories:

Traditional/Conventional
DSCR
Fix and flip loans
Rates could be volatile!  

Mortgage rates jumped last week as markets were thrown into turmoil over recently implemented tariffs, even ignoring better than expected inflation data. Not only did rates move drastically day-to-day, lenders often repriced through the day in response to big moves in mortgage backed securities and Treasuries.

Mortgage rates will be tough to predict this week as markets keep reacting to the latest tariff headlines and rumors. After last week’s spike, there’s a chance we see some improvement, but it’s far from guaranteed. In times like these, it’s more important than ever to stay in touch with your mortgage pro.

 

What’s affecting rates this week:

 

  • Tariffs: Any talk of pausing tariffs or implementing new tariffs will likely see mortgage rates shift depending on how markets react to the news.
  • The Fed:  Markets will be looking for any signs from speaking Fed members that the Fed will step in to help the economy and markets.Treasury yields: Although the 10yr
  • Treasury is not the basis for mortgage rates, it does affect pricing for mortgage bonds and when the 10yr Treasury yield rises, mortgage rates often follow.

 

Sign up for our pricing alerts (email me Mike@thecashflowcompany.com).  Let us know what rate you are looking for and we will reach out when they hit your target.  Rates will are going to bounce around for the next 12 to 18 months.  Don’t miss the next rate dip.  They won’t last long.

DSCR Loans

40 year options now available!

Best Rate at 60% LTV:    6.5% to 6.675%

Best Rate at 70% LTV:    6.675% to 6.9%

Best Rate at 80% LTV:    6.89% to 7.00%

Highest LTV:    85% (purchase + rate and term)

Lowest FICO score:    620

Smallest Loan:    $65,000

Largest Loan:    $20mm (large portfolios)

Vacant Properties:    75%

Short-Term Rentals: 80% (purchase + rate and term)

Best rates are based on 780+ credit score, DSCR above 1.15, loans over $300k and in major cities.  We have 20+ of the best DSCR loan buyers at our fingertips and can help with most clients’ needs.

No Ratio Loans

Highest LTV: 75% (Purchase + rate and term)

No ratio loans are loans that do not require a rental agreement or have negative cash flow.

Conventional Loans

Owner Occupied: 6.375% to 6.5%

Non-Owner Occupied:  Low 6.925.% to 725.%

Conventional loan rates powered by TNS Loans NMLS #1719349 on properties in Colorado.  If you want specific rates, reach out to TNS Loans via email at MB@TNSLoans.com.

Private Loans

Small Loans and Lenders (.5 – 3 Points): 9.5% – 12%

Large Lenders (15% down + 1 point + closing costs): 8 – 12%

 Highest LTV 100% of full project up to 72.5% ARV

 Lowest FICO score:   Mid 500’s with good credit last 12 months

 Smallest loan:    $10k

 

Who has the best terms on fix and flip loans in Colorado?  We are keeping track and it is between Cap Fund 1 and Merchants Mortgage

 

Business Credit Cards

0% for up to 18 months

Options for business 3 months plus in business

Credit usage loans available to increase score to qualify for business credit cards

HELOCS

RENTAL HELOCS from 70 – 80%.     Fixed and adjustable.   RATES AT PRIME + O

 

Don’t forget to grab a copy of your personal Investor Mortgage Report here! 

What are the best loan products for where you are at now and where you are going.  

Keep up as rates get better and requirements become easier

Investor Mortgage Report – Week of April 14th, 2025

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