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Mortgage rates improved last week as stocks plummeted and market concerns about a potential recession grew. Friday’s jobs data came in mixed, showing more jobs were created in March than were forecast but unemployment ticked up from 4.1 to 4.2%. Overall a great week for rates, but on Friday we saw signs that the rate rally was losing steam.

 

What’s affecting rates this week:

 

• Tariffs: The tariffs announced last week were much higher than markets had anticipated, which led stocks to sell off and traders to move money to safe havens including bonds, which helped mortgage rates improve. Any talk that tariffs will be paused or reduced could push rates higher this week.
• Inflation data: The CPI inflation report this week could see mortgage rates react to better or worse inflation than expected.

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.

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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.

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Conventional Loans

Owner Occupied: 6.25% to 6.375%

Non-Owner Occupied:  Low 6.625% to 7.125%

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.

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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

 

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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

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HELOCS

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

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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 7th, 2025