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Don’t let traditional lenders hold back your rental portfolio. DSCR financing lets you leverage the property itself to qualify, not just your income. This approach makes it possible to continue growing your investments even when conventional loans aren’t an option. For investors at any level, understanding DSCR loans can unlock new opportunities and help turn more deals into cash-flowing rentals.
When The Bank Says “No”: The Shift From Conventional To DSCR Financing
THE MORTGAGE INDUSTRY
January’s CPI Data Released Today
The cost of goods and services rose at a slower annual rate than expected in January, providing hope that the nagging U.S. inflation problem could be starting to ease. The consumer price index for January accelerated 2.4% from the same time a year ago,…
MORE MORTGAGE INDUSTRY NEWS
Here's How Much Mortgage Rates Should Fall To Bring Housing Within Reach For Buyers - A Zillow study showed that mortgage rates in many major U.S. cities would have to drop to about 4.43% nationally to make housing affordable. Zillow expects home values to tick down about 2% in 2026, but that barely dents the 49% increase since 2019. And if rates and other factors held steady, home values would need to plummet 18% for the typical home to become affordable — a correction that's extremely unlikely without a serious economic slowdown.
Early 2026 Mortgage Rate Dip Sparks Refi Surge - A modest decline in U.S. mortgage rates in early January has unlocked refinancing opportunities for nearly five million homeowners and pushed housing affordability to its highest level in four years, according to the February 2026 ICE Mortgage Monitor Report from Intercontinental Exchange Inc. (ICE). The report highlights the outsized impact that even small rate movements can have in today’s mortgage market. When rates on the ICE 30‑year conforming fixed-rate index dipped to 6.04 % on January 9, the number of borrowers “in the money” to refinance jumped by roughly 20%.
THE HOUSING MARKET
Bipartisan Housing Reform Bill Advances After Overwhelming House Approval
The House of Representatives is moving forward with bipartisan legislation aimed at tackling the nation’s ongoing housing affordability and supply crisis. The Housing for the 21st Century Act (H.R. 6644) passed out of committee with overwhelming support by a vote of 390-9, and was placed on the Union Calendar for potential floor consideration. "The Housing for the 21st Century Act shows the nation’s housing crisis is no longer a silent problem and that lawmakers from both parties are building real momentum behind practical reforms to expand housing supply and improve affordability, even as work continues in the Senate," said Bipartisan Policy Center EVP Dennis Shea.
MORE HOUSING MARKET NEWS
America Slowly Tilts Toward A Buyer’s Market As Listings Pile Up In More Metros - Home shoppers closed out the year on strong footing in Sun Belt metros that moved deeper into buyer’s market territory, with surging inventory, longer listing times, and greater price flexibility from sellers—as more cities tipped into buyer-friendly conditions. Researchers at Realtor.com analyzed housing data across the 50 largest U.S. metros, focusing on months of supply. They identified the top 10 buyer's markets, the vast majority of which were concentrated in either the South or the West. In total, the list of buyer's markets has grown to 18 metros boasting more than six months of supply.
The Housing Markets Seeing The Sharpest Home Price Declines - Home price growth has slowed to 0.9% in December 2025, but many markets are seeing only a decline. Annual home price growth of less than 1% is one of the softest rates since the post-Great Recession recovery, according to a new U.S. home price insights report from data research firm Cotality. "We are seeing a significant departure from the rapid surges of recent years; while the upward pressure on prices remains, the momentum has moderated enough to suggest that the market is finally becoming more navigable for prospective buyers," Cotality's chief economist, Selma Hepp, said in the report.
THE CONSTRUCTION WORLD
Homebuilders Call Price Fixing Claims Baseless As DOJ ‘Considers Launching Antitrust Probe’
Homebuilders’ representatives have responded to a report that the Trump administration is considering an antitrust probe into the industry, saying any allegations of price fixing are baseless. The DOJ is considering launching an antitrust probe into homebuilders in the coming weeks, although no final decision has been made.
Lot Supply Crosses Into ‘Slightly Undersupplied’ For First Time Since 2017
Lot supply loosened on both a year-over-year and quarter-over-quarter basis in the fourth quarter of 2025, driven in part by annual starts ticking down. Additionally, for the first time since 2017, lot supply crossed into the “slightly undersupplied” category from the “significantly undersupplied” category. “Policy uncertainty, the current cost of living, student loans, labor market concerns, interest rates, home prices, changes to immigration, geopolitics, and more have all slowed consumer demand,” said Zonda and NewHomeSource chief economist Ali Wolf.
THE FINANCE CORNER
Strong Jobs Report Likely To Keep Fed On Hold For A While
A stronger-than-expected jobs report for the month of January is likely to cement that the Federal Reserve holds interest rates steady for a while. "[The jobs report] pours cold water on the idea the Fed could cut rates again before mid-year and will fuel internal debate as to how restrictive policy is and how much slack there is in the labor market," Evercore ISI head of economics and central banking Krishna Guha said. The economy added 130,000 jobs in January — about double the number economists had anticipated — while the unemployment rate inched down to 4.3% and the labor force participation rate edged up.
Trump’s Tariffs Cost American Households $1,000 Last Year—And That Number Is Going Up In 2026
Since President Trump returned to office last year, his administration has implemented sweeping tariffs that have affected every aspect of American life, including housing. In reviewing the impact of these tariffs in 2025, the nonpartisan research team at Tax Foundation found that the average American household paid $1,000 in costs related to tariffs. By their estimation, even if the administration makes zero changes in 2026, the costs will continue to rise.
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One Nation Weekly
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