Investor Mortgage Report – Week of January 14th, 2025
Categories: Uncategorized



Mortgage rates rose last week, particularly on Friday, following the release of stronger-than-expected jobs data. The report showed a significant increase in job creation and a decline in the unemployment rate from 4.2% to 4.1%. This robust labor market data pushed bond yields higher and led markets to anticipate that Fed policy rate cuts would be delayed until later in the year.
Mortgage rates could continue to climb this week, depending on inflation data. If inflation shows signs of increasing, concerns may grow that the Fed will be unable to lower its policy rate and might even need to consider hiking later in the year. Even if inflation remains stable, it’s unlikely that mortgage rates will move lower from here.
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What’s affecting rates this week:
- Inflation data: Tuesday brings wholesale inflation numbers, but it is Wednesday’s consumer inflation data that will have the biggest effect on mortgage rates this week.
- The Fed: Concerns that the Fed will not be able to further cut its policy rate this year could pressure mortgage rates higher.
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: 6.875% 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.
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: 6.75% to 7.25%
Non-Owner Occupied: Low 7.5% to 7.825%
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): 8.25 – 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
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 January 14th, 2025