30 year mortgage drops to 6.69%
Hi BiggerPockets community!
We at Funded Capital have been closely watching the recent drop in mortgage rates, and it’s clear that 2025 is shaping up to be a pivotal year for real estate investors. With 30-year mortgage rates now at 6.69%, opportunities are opening up to expand portfolios, improve cash flow, and position yourself for long-term growth. This shift in rates reflects key changes in the economy: inflation is stabilizing, the Federal Reserve is easing its policies, and borrowing costs are coming down. For investors, this means a more favorable financing environment—but also rising competition as more people jump back into the market. Acting strategically and securing fast funding will be the key to staying ahead.
Here’s how we see it:
First, lower rates mean increased buying power. Whether you’re targeting fix-and-flip opportunities or adding to your rental portfolio, you’ll likely qualify for more funding or better terms than you could last year. This creates a great chance to pursue properties that might have felt out of reach.
Second, the current environment is perfect for refinancing. If you locked in rates above 7% over the past couple of years, refinancing now could dramatically improve your cash flow. That extra breathing room could help you reinvest into new projects or reduce your overall financial stress.
Third, we expect rental demand to remain strong. Even with rate cuts, affordability challenges are still keeping many potential homebuyers in the rental market. Investors who expand their rental portfolios now are setting themselves up for steady cash flow and long-term appreciation.
At Funded Capital, Our loan programs are designed to give you the speed and flexibility you need to act quickly, whether you’re pursuing fix-and-flip deals, new construction projects, or refinancing your existing properties. We’re especially excited about how portfolio loans can help streamline financing for investors with multiple properties. These loans allow you to consolidate and lock in today’s lower rates across your entire portfolio, simplifying management and reducing costs. The bottom line? Now is the time to think strategically and act decisively. The market is shifting, and those who can move quickly and confidently will have the upper hand.
What are your goals for 2025? Are you planning to expand your portfolio, refinance, or explore new markets? Let us know in the comments below, or reach out to us at FundedCapital.com to discuss how we can help you navigate this exciting time.
We’d love to hear from you!
