This guide is auto‑assembled from a structured brief for consistency and clarity. It provides a premium, skimmable layout with live market context and standardized sections.
Base rate snapshot
6.11%
Trend: Rising
Volatility score: 100
Last change: 200 bps
Updated: 11/17/2025, 12:00:00 AM
Rates reflect macro benchmarks (e.g., Treasuries, SOFR) plus property spreads. Use alerts instead of averages to time decisions.
DSCR examples (illustrative)
Sample DSCR scenario (example only)
| Metric | Value |
|---|---|
| Loan Amount | $5,000,000 |
| Rate Used | 8.36% |
| Term | 300 months |
| Monthly Payment | $39,791 |
| Annual NOI (assumed) | $650,000 |
| DSCR (example) | 1.36 |
Numbers are illustrative. Use your actual NOI and debt terms.
Lender comparison
Lender comparison
| Lender | Pros | Cons |
|---|---|---|
| Banks |
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| Debt funds |
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| Life companies |
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Frequently asked questions
FAQs
When to refinance?
Answer varies by lender and market context. Use the rate snapshot and DSCR examples as a starting point, then obtain quotes.
What DSCR is required?
Answer varies by lender and market context. Use the rate snapshot and DSCR examples as a starting point, then obtain quotes.
How do lender types compare?
Answer varies by lender and market context. Use the rate snapshot and DSCR examples as a starting point, then obtain quotes.
Glossary
Glossary
- DSCRDebt Service Coverage Ratio: NOI divided by annual debt service.
- LTVLoan-to-Value: loan amount divided by appraised value.
- SOFRSecured Overnight Financing Rate, a floating-rate benchmark.
- PrepaymentPenalty or cost for paying off a loan prior to maturity.
Related reading