Novice investors obsess over interest rates (7% vs 6%). Sovereign investors obsess over the Spread. If the interest rate is 7.5% but the property yields a 12% cash-on-cash return, you buy the property.
The Directive
Stop waiting for rates to drop.
- Scenario A: Wait 2 years for rates to drop 1%. Prices rise 10%. You lose.
- Scenario B: Buy now. Cash flow today. Refinance when rates drop. You win.
“Date the rate, marry the house,” says Heather Sharpe, Closing Specialist. “You can always refinance the interest rate. You can never renegotiate the 2026 purchase price five years from now.”
Does the deal pencil out? Don’t guess.
Email the Rent Roll and Purchase Price to Heather@InvestorUnderwriting.com.
I will calculate the DSCR Spread and give you a definitive “Buy” or “Pass” recommendation based on current market rates.