You need to pay the daily us treasury curve yield rate.

If the 10 year treasury goes haywire we could see mortgage rates do the same (looks like the last few days we are on our way back to 7% already..)

The 10-Year Treasury has been skyrocketing which has dramatically pushed up rates with this whole debt ceiling thing going on.

@Jonathan DicentThere is one thing that exists - It’s called a treasury bond.

Fannie Small Loan rates are structured as a spread over treasuries. 

. - Inflation-adjusted Treasury Bills pay 6%+, for almost zero risk, but are capped at $10k per person. - Most residential investment properties sell for a 5.5 to 6% cap rate, so for a cash buyer, 6% is a fairly easy return to obtain for newer properties with very low risk. - Equities offer 7-9%, but with arguably higher risk and fewer tax benefits; plus this is BP, so I'll focus on RE as the asset class to discuss (rather than say talk about buying a business on Flippa or BizBuySell for a 3x multiple). - Flips and BRRR can generate larger returns, but they aren't passive so I'll leave those opportunities to others to discuss. - STR is a changing playing field and is not passive, and carries more risk, so I'll leave that one to other forums as well.Okay, on to business.  

Treasury P\Inflation Indexed Protected bonds (TIPS).  

The 10-Year Treasury has been tracking upward, so rates have climbed a great deal over the past few months.

I just wrote an astronomical check to the King County Treasury.

I believe the only way real estate prices will start going down is if people start losing jobs and start defaulting on their loans - or if the mortgage rates go up to over 5-6% (which I don't think will happen at all - it's tied to the gov't treasury yield and there's no way in hell they can afford to pay more interest on their debt).