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Rates improved last week, even as jobs data indicated a resilient labor market despite the Fed maintaining higher policy rates. However, the gains were small, with rates remaining relatively steady for the second consecutive week instead of seeing the expected volatility.

A lot is happening this week that could impact mortgage rates, with inflation being the biggest factor. While some day-to-day rate fluctuations are expected, significant swings in either direction are unlikely.

 

What’s affecting rates this week:

 

• Tariffs: While still making headlines, traders seem less concerned about tariffs, and they are not having a significant impact on mortgage rates.
• Fed speakers: This week features several speeches from Fed officials, with the most notable being Fed Chair Powell’s semiannual testimony before Congress, where he will discuss the economy, interest rates, and inflation outlook.
• Inflation: Consumer inflation data will come out on Wednesday, and is expected to have the biggest impact on mortgage rates this week. Higher inflation could push rates up, while inflation in line with expectations should keep rates steady.

DSCR Loans

40 year options now available!

Best Rate at 60% LTV:    6.875% to 7%

Best Rate at 70% LTV:    6.9% to 7.25%

Best Rate at 80% LTV:    7.25.% to 7.625%

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: 6.375% to 6.75%

Non-Owner Occupied:  Low 7.% to 7.25%

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): 8.25 – 10%

 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 February 10th, 2025