Mortgage rates are driven by The 10 Year Treasury so in order for mortgage rates to go down, we need to see “investors” pull money out of the stock market and put in to the 10 Year.

I asked a rhetorical question, which I hoped would lead you to the logical conclusion that coincidentally aligns with the IRC, Treasury Reg, and SCOTUS case I posted above (please review the prior post, as you are asking for case law which I have already provided).It's a facts and circumstances based approach. 

But if you rent any property, including part of your home, for more than 14 days, then you have to report that income on your taxes.However, based on what you said, you won't meet the IRS requirements (Treasury Regulations section 1.280A) to be considered a short-term rental (STR) when you file your taxes. 

Treasury Department's Financial Crimes Enforcement Network (FinCEN).

And anyone can earn 3-4%+ minimum in savings account or money market (or treasury bond) with zero risk.

Until that happens, with either scenario, a way to increase your cash returns could be to buy EDV, it's a Vanguard exchange traded fund that holds 20 year and 30 year zero coupon US Treasuries, such that whenever the 10/20/30 year bond yield goes down, its value goes up.

Will the treasury yields keep deflating?

At our company we saw interest rates drop .5% this week as our rates are based on the 5 year treasury, which was pushed down to 3.6% this week. 

Capital has been tight because 10 year treasuries have been hovering around 4% the past few years.

With the move down in the treasury market, has anyone priced out DSCR loans?