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Continuously refreshed market intelligence

Mortgage &
DSCR intelligence.

Official market data, practical deal context, and a clearer path from property opportunity to financing conversation and construction execution.

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Checking official sourcesCurrent published observations are shown while the live check completes.
Automatic source check every 30 minutes
Updated weeklyFreddie Mac PMMS

6.71%

30-year fixed

+0.05 pts from prior

Observation: Sep 3, 2026

National conforming purchase-loan average; not a borrower quote or an investment-loan rate.
Updated weeklyFreddie Mac PMMS

6.04%

15-year fixed

+0.06 pts from prior

Observation: Sep 3, 2026

National conforming purchase-loan average; not a borrower quote or an investment-loan rate.
Updated each business dayU.S. Treasury

4.77%

10-year Treasury

-0.02 pts from prior

Observation: Sep 3, 2026

A broad fixed-rate market benchmark—not a mortgage or DSCR loan offer.
Updated each business dayFederal Reserve Bank of New York

3.66%

SOFR

+0.01 pts from prior

Observation: Sep 3, 2026

An overnight funding benchmark used in parts of the lending market—not a consumer or DSCR quote.

What moved

Borrowing pressure moved higher this week.

30-year fixed moved up 0.05 percentage points from last week, to 6.71%. 10-year Treasury moved down 0.02 percentage points from the prior business-day reading, to 4.77%. SOFR moved up 0.01 percentage points from the prior business-day reading, to 3.66%.

For Houston owners and investors, the useful move is to stress-test the entire deal—purchase basis, construction scope, taxes, insurance, reserves, rent, holding period, exit plan, and financing structure. A headline rate by itself does not determine whether a project works.

See financing pathways

DSCR, without the sales pitch

There is no single
national DSCR rate.

DSCR pricing is lender-, property-, and deal-specific. A responsible comparison looks beyond the note rate and tests the complete structure against the property’s income and expenses.

  • Property cash flow and the lender’s DSCR calculation method
  • Loan-to-value, loan amount, credit profile, and investor experience
  • Property type, occupancy, leases, condition, and market rent support
  • Term, amortization, interest-only period, points, and closing costs
  • Prepayment structure, reserves, entity requirements, and guaranties
  • Purchase, rate-and-term refinance, cash-out, or short-term bridge strategy
Interactive planning tool

DSCR scenario calculator

Use one consistent model to test rent, operating costs, loan amount, rate, and amortization before requesting lender terms.

Modeled DSCR1.15xAbove break-even; below target
Annual NOI
$28,200
Annual debt service
$24,558
Monthly principal & interest
$2,047
Rent needed for 1.25x
$3,408
This planning model uses annual net operating income divided by annual principal-and-interest debt service. Lenders may use different definitions, including rent divided by PITIA, and may apply vacancy, management, reserve, or other adjustments. It is not a loan quote, approval, or underwriting result.

One coordinated starting point

Property. Plan. Capital path. Build.

PARCONTX can help clients and buyers define the project, prepare realistic scope and budget information, and coordinate introductions to independent lenders or other transaction professionals for mortgage, construction, bridge, DSCR, and property-specific financing conversations.

See how financing coordination works Discuss your property
PARCONTX is not a mortgage lender or mortgage broker and does not quote or lock rates, select consumer credit terms, guarantee approval, or make lending decisions. Financing is offered and underwritten only by the applicable independent provider. Seller financing, if offered on a particular PARCONTX-owned property, is transaction-specific and subject to professional review and documentation.