This Week's Investor Financing Picture
30 Year Mortgage for Single Family Real Estate Investors.
Base Rate*: 6.10%
* Base Rate is the initial pricing rate before Rate Adjustments. Base Rate is for 65%-70% LTV Adjustable Rate loan request of $200k - $1,5M Purchase Mortgage with a FICO of 760+ and 1% Origination Fee.
Rate Adjustments that will INCREASE the Base Rate include Fixed Term, Higher LTV, Smaller Loan Amount, Lower FICO, Shorter Prepayment, Cash Out Refinance, Condos and Multi Unit.
Rate Adjustments that will DECREASE the Base Rate include, Lower LTV, Higher Origination Fee, Longer Prepayment, Higher DSCR
This Week's Housing Data.
From Realtor.com's Weekly Housing Trends:
-- Listing prices declined year over year for the 19th straight week, the longest such streak in the data's history.
-- Price reductions are also falling year over year suggesting this softness reflects adjusting seller expectations rather than true market weakness. Sellers appear to be listing at more modest prices from the start, rather than listing high and cutting prices later.
-- Mortgage rates continued to climb last week reaching 6.51%.
-- New listings picked up 3.3% year over year. Some sellers are reengaging as the summer market approaches, while other appear to be staying on the sidelines amid rate volatility and economic uncertainty.
-- Active inventory climbed 2.2% year over year.
-- The median listing price fell 2.4% year over year. Asking prices have fallen or held flat for more than 30 consecutive weeks.
What are the best US Cities to Buy Investment Properties in 2026?
Top 10 Cities for Investment Properties in 2026
Let's break down the top contenders and why they’re worth considering (From www.noradarealestate.com):
- Dallas-Fort Worth, TX: This metroplex is a powerhouse, and it's no surprise it's at the top of many lists. Why? Simply put, tons of new jobs are popping up, and the economy here is really diverse. This means people are moving in, and they need places to live. Experts are seeing strong rental yields for investors, potentially between 10%–15%. Plus, Texas has a huge advantage for investors: no state income tax, which puts more money back in your pocket.
- Indianapolis, IN: This city has earned the title of the #1 most buyer-friendly market. What does that mean for you? It means you can likely get in at a good price. But the real kicker here is the potential for high cash flow. We’re talking about yields that could hit a remarkable 16%–18%. For investors who prioritize making money month after month from rent, Indy is a star.
- Charlotte, NC: Charlotte is a major hub for banking and finance, which brings stability and a steady stream of professionals needing housing. What’s exciting is that the city is seeing great population growth, and the number of homes available is starting to balance out, which is good for property values. You can expect rental yields to be in the range of 9%–12%.
- Atlanta, GA: “The Peach City” is all about being connected and having a dynamic economy. This translates into good news for property investors. In some neighborhoods, gross rental yields are looking really impressive, reaching as high as 12%–14%. Its strong infrastructure and growing job market continue to attract residents.
- Tampa, FL: Another Florida gem, Tampa is also recognized as a top buyer-friendly market. The job sector is expanding, which is a huge driver for rental demand. You can anticipate rental yields to fall between 11% and 13%. As more people move to Florida for its lifestyle and job opportunities, places like Tampa are seeing consistent demand.
- Nashville, TN: Known for its music scene, Nashville is also a leader in job growth. On top of that, it offers significant tax advantages (like no state income tax on wages!), making it attractive for both residents and investors. Investors here can see gross rental yields of 11%–13%.
- Jacksonville, FL: This is a market that's really starting to get noticed by both homebuyers and investors. Its bustling port facilities create jobs, and compared to other parts of Florida, it’s still relatively affordable. This combination makes it a great entry point for many.
- Phoenix, AZ: Phoenix has been a go-to for investors for years because of its consistent population growth and the promise of steady returns. While appreciation might be a bit more moderate here, you can generally expect yields around 9%. It’s a reliable choice for those looking for long-term stability.
- Kansas City, MO: If you’re looking for strong rental demand and affordable entry prices, Kansas City is a fantastic option. This is especially appealing if you're an investor looking from out of state. You can find good homes without breaking the bank, and the demand for rentals is solid.
- Columbus, OH: This Ohio capital is being called a top housing hot spot for 2026. It seems to strike a good balance between decent rental yields (around 9%–11%) and low vacancy rates. This means your property is likely to be rented out consistently.