FUNDING
Investor Review
SPONSORED CONTENT Refi or Ride It Out? DSCR RATES MAY BE ABOUT TO MOVE IN YOUR FAVOR.
DOMINION FINANCIAL SERVICES
T rying to time your refinance just right? That’s like trying to call the bottom of the stock market. It’s risky, frustrating, and nearly impossible. With that said, if you own single-family rentals, the next few months could offer the best opportunity in years.
Translation? If you’ve been waiting for the right moment, It’s almost here.
SHOULD YOU REFI NOW? YES, if you: ▷ LOCKED IN A HIGH RATE IN 2022–2023. ▷ WANT TO CASH OUT EQUITY OR STABILIZE PAYMENTS. ▷ HAVE A BALLOON PAYMENT OR LOAN MATURITY LOOMING. WAIT, if you: ▷ RECENTLY LOCKED A DECENT RATE. ▷ FACE STEEP PREPAY PENALTIES. ▷ ARE HOLDING OUT FOR A BIGGER DROP. WHY DSCR STILL WINS Scaling with bank loans? You’ll hit a wall. DSCR loans skip the tax returns, W-2s, and income checks. There’s no cap on property count, no credit reporting, and appraisal waivers are often available, making them ideal for serious investors. Be ready . Not reckless . Refinancing isn’t about chasing rates; it’s about strategy. Know the numbers. Watch the bond market. And work with a lender who gets investors like you. Call (410) 883-8493 or visit dominionfinancialservices.com to get started. Don’t forget to ask about our DSCR Price-Beat Guarantee!
Dominion Financial Services LLC. NMLS ID # 898795, 32 South St Baltimore MD 21202. Dominion Financial Services LLC. NMLS ID # 898795, 1029 N Calvert St Baltimore MD 21202. Dominion Financial Services, LLC is licensed or exempt from licensing in all states, except Nevada. Dominion Financial Services, LLC is licensed in Minnesota as a Mortgage Originator (License No. MN-MO-898795). Dominion Financial Services, LLC is licensed in Arizona as a Mortgage Banker (License No. 0950308). Dominion Financial Services, LLC is licensed as a California Finance Lender and Broker under Department of Business Oversight (License No. 60DBO 91679). Dominion Financial Services, LLC is licensed in South Dakota as a Mortgage Lender (License No. ML-05220). Dominion Financial Services, LLC is licensed in North Dakota as a Money Broker (License No. MB103364). Dominion Financial Services, LLC is licensed in Vermont as a Commercial Lender (License No. 898795 CLL). Dominion Financial Services, LLC is licensed in Oregon as a Mortgage Lender (License No. ML-5763). Dominion Financial Services, LLC is licensed in Idaho as a Mortgage Broker/Lender (License No. MBL- 2080898795). Dominion Financial Services, LLC is licensed in Colorado as a Mortgage Company.Dominion Financial Services, LLC is licensed in the District of Columbia as a Mortgage Dual Authority (License No MLB898795) Dominion Financial Services, LLC is licensed in Florida as a Mortgage Lender (License No. MLD1796). Dominion Financial Services, LLC is licensed in Pennsylvania as a Mortgage Lender (License No. 104295). Dominion Financial Services, LLC is licensed in Texas as a SML Mortgage Company.
WHAT’S GOING ON WITH RATES?
Most DSCR loans aren’t tied to the 10- year Treasury (the one everyone talks about). They follow the 5-year Treasury yield. As of mid-2025, it’s hovering around 4%, but some forecasts project it could drop to 2.07% by year-end. That should mean lower DSCR rates. So why haven’t lenders cut pricing? Two words: market volatility. Many have widened margins to hedge risk instead of passing along savings. WHEN WILL DSCR RATES ACTUALLY DROP? Historically, DSCR rates track closely with the 5-year Treasury, but only when markets are stable. Now that securitizations are picking back up, rates could slide another 30 basis points if yields settle around 3.6–3.7%.
56 | think realty magazine :: september - october 2025
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