Investor Mortgage Report – Week of January 27, 2025
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Mortgage rates edged slightly higher last week, but the changes were minimal and not cause for major concern. There was little economic data to influence rates, and the Trump administration has yet to implement the tariffs that previously raised market concerns.
This week rates could see significant movement. The Fed meeting and Chair Powell’s press conference are expected to have the biggest impact, with additional attention on the first release of Q4 GDP and PCE inflation data later in the week.
What’s affecting rates this week:
- The Fed: The Fed meeting concludes on Wednesday, with expectations the Fed will leave its policy rate unchanged after three consecutive cuts. The policy statement will be released at 2 PM ET, but Fed Chair Powell’s press conference afterward is likely to have a greater effect on mortgage rates. Any indication of continued rate cuts could lead to lower mortgage rates, while signs the Fed has paused rate cuts could push rates higher.
- Economic data: While secondary to the Fed’s decisions, economic data releases later this week – such as Q4 GDP and PCE inflation – may still cause rate fluctuations.

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: 6.5% to 7%
Non-Owner Occupied: Low 7.25% 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 27, 2025