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Market Intelligence

Stay informed on rate trends, housing market conditions, and investment opportunities. Updated regularly by our team.

Note: The content below reflects general market conditions as of early 2025. For a rate quote specific to your scenario, contact Arran directly or take the strategy quiz.

Current Rate Trends

  • ›30-year fixed rates have been trading in the 6.5%–7.5% range through early 2025 as the Federal Reserve continues its data-dependent approach to rate policy.
  • ›The Fed Funds Rate was cut three times in late 2024, but longer-term mortgage rates remain elevated due to persistent inflation concerns and a strong labor market.
  • ›ARM products (5/1 and 7/1) have become increasingly attractive for borrowers who plan to sell or refinance within 5–7 years.
  • ›DSCR and non-QM rates carry a modest premium over conforming rates but remain well below the highs seen in late 2022–2023.

Housing Market Overview

  • ›Inventory remains historically low in most major metros, with many markets still experiencing multiple offers on well-priced properties.
  • ›Home price appreciation has moderated to low single digits nationally, though high-demand markets like Southern California and Florida continue to outperform.
  • ›The "lock-in effect" — homeowners reluctant to sell and give up their sub-3% pandemic-era rates — continues to suppress existing home inventory.
  • ›New construction activity has picked up in Sun Belt markets, providing some relief for first-time buyers in those areas.

Investment Outlook

  • ›Cap rates have compressed in most markets relative to peak 2023 levels, but cash-flowing deals are still available with the right financing structure.
  • ›DSCR lending remains active for investors: lenders are generally approving deals with DSCR ratios of 1.0x–1.25x in most markets.
  • ›Short-term rental markets have matured — markets with high STR saturation (like Gatlinburg and Scottsdale) require careful underwriting of projected income.
  • ›Multifamily (2–4 unit) properties continue to offer strong investment fundamentals for house hackers and small portfolio investors.

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