Investor Mortgage Report – Week of June 3rd, 2024





Fix and flip loans
Rates this week!
Last week saw mortgage rates move quite a bit higher by midweek, only to recover and end the week almost unchanged. Rates rose as consumer confidence readings unexpectedly came in higher on Tuesday, but were helped by slightly better than expected inflation data on Friday
Mortgage rates are sure to move this week, and hopefully improve, but it will depend on the data. This week brings lots of jobs data, and any signs of a softening labor market will help mortgage rates improve ahead of next week’s Fed meeting and inflation data. However, if the labor market data shows strength instead of the expected weakness, we could see mortgage rates move higher.


What’s affecting rates this week:

  • Jobs data: This week brings the job opening and labor turnover survey on Tuesday, the ADP private payroll report on Wednesday, jobless claims on Thursday, and the report that will have the most impact on mortgage rates on Friday, the BLS jobs report.
  • Other economic data: There are a few other reports this week that will give insight into whether the economy is slowing down or not, which could help mortgage rates this week.

DSCR Loans

Best Rate at 60% LTV:    6.25% to 6.99%

Best Rate at 70% LTV:    6.875% to 7.25%

Best Rate at 80% LTV:    7% to 7.375%

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: 6.625% to 6.675%

Non-Owner Occupied:  Low 7.25 to 7.375%

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

Private Loans

Small Loans and Lenders (.5 – 3 Points): 9.5% – 12%

Large Lenders (15% down + 1 point + closing costs): 9.25 – 11%

 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


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


RENTAL HELOCS to 80%.     Fixed and adjustable.


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 June 3rd, 2024