Your competition is the 2yr treasury paying 4%. 

Fed fund rates indirectly affect all rates including mortgage rates which are closely tied to the 10 year treasury note.

Treasury Department.

I should probably start a new thread and not further hijack this one :)to answer the original question. most recent offer I 'm considering is 75% LTV 15 year, treasury rate plus 2%, adjusts at 5 and 10 years again to current treasury plus 2%.

So, if an investor sells a property on an installment contract and did no more than 4 in the past 12 months, he is not considered to be a "creditor" under the code and the contract defaluts to 10% or no more than 5% over Treasury rate, which ever is greater.

Today's rate is 6.6% min (5-year treasury + 2.5%).

THAT is all the guarantee represents.Whether it is a whole life, a universal life, or an Indexed UL, every insurance company invests their cash in the same exact types of investments: bonds, treasuries, mortgages, etc.

Below is the math.Approximate Loan Amount: $300,000 based on $400,000 purchase price. 25% down payment. appraised at $395,000Term: 20 years, with monthly principal and interest payments.Rate: 6.16%  Fixed for 5 years, then adjusting every 5 years at the 5-Year Treasury +3.00%How it played out, A great friend/private investor helped me closed on the deal with financing.

I haven't had as much time to come to the site lately between my clients and my own investments in the NNN space.Typically someone buys NNN at say 5 plus cap rate and debt in the 3's (currently treasury went from 150 in January to 280 now) so rates more 3.9 to 4.0 versus 3.5 with lenders.

That clears that up, LOL, @Alison Robinson Sorry it's thick reading. 2 Accounts, an operating account; this is the main business account, it's your treasury department.