Investor Mortgage Report – Week of January 21, 2025
Categories: Uncategorized



Rates were helped last week after inflation data came in slightly better than expected. Fed Governor Waller added to the optimism in a CNBC interview, suggesting the Fed might implement more policy rate cuts than markets anticipated, and could start cutting sooner.
Although rates only saw modest improvement last week, we sidestepped trouble when the inflation data came in a bit more favorably than was expected. This week starts with a holiday, and has little economic data to help guide mortgage rate movement. After last week’s improvements though, we could see rates creep a bit higher this week. Longer term outlook is for rates to remain near these levels.
.
What’s affecting rates this week:
- Trump inauguration: Trump will be sworn in Monday, and is expected to hit the ground running. We could see some volatility in markets based on the immediate actions taken and executive orders that are implemented.
- The Fed: Markets had a strong reaction last week to comments made by Fed Governor Waller, but we will not be hearing from any Fed members this week as they enter the customary blackout period ahead of January 28th/29th’s Fed meeting.

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: 6.375% 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.