Investor Mortgage Report – Week of March 25, 2024





Fix and flip loans
Looks like a slight improvement.

This week is a holiday shortened week that is unlikely to see rates make any significant moves, but we could see slight improvement. The latest trend is that rates may slowly improve ahead of April’s labor and inflation data, as markets start to see a June Fed rate cut as more likely after the latest Fed meeting.

What’s affecting rates this week:

  • Economic data: Although there are some mid tier economic reports that will come out this week, the PCE inflation data comes out on Friday when markets will be closed for Good Friday and we are not likely to see a reaction to that data until Monday. It is unlikely rates move much on this week’s data.
  • Holiday weekend: Markets close early on Thursday and will be closed on Friday, meaning that most lenders will not change rates after Thursday until next week.

DSCR Loans

Best Rate at 60% LTV:    6.45% 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:    $75,000

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 6.625%

Non-Owner Occupied:  Low 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

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




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 March 25 2024