The 5-Year Treasury rate is generally the right benchmark for non-owner occupied Non-QM (assuming thats the direction you are in) - and rates will generally move in concert.I'd be happy to look at your scenario and let you know opinion on if its in line with current rates - that being said, economic data has been brutal this week and yields have risen every day, so its unlikely that rates have gotten better since you locked in last week (if you got a true rate lock)

Bond traders are taking a few nibbles of the 10 yr treasuries, but nothing dramatic.

Yield, or the amount of cash an investment throws off, corresponds to the risk of the investment vehicle.A US Treasury bill is incredibly low risk, so it has low yields say 4% currently.

Does owning a land and then paying mortgage and taxes be considered as passive loss which I can offset agains gains from US treasury Bills

One reason for the declining sales volume is the mismatch between pricing expectations as builders deliver new pre-leased offerings.Smaller exchange buyers might be willing to accept going-in yields below short-term treasuries and up to the 6% range, but larger investors need to adjust to a higher cost of capital.

Not to be left behind, institutional and public REIT investors persist in their pace of acquisitions, homing in on first-class developments and prime locations.Yields on stabilized industrial investments continue to price in a tight range over treasuries, which began falling in the fourth quarter due to slowing economic growth and the market's expectations of rate cuts beginning in the first half of 2024.Properties offering in-place rents substantially below market can still see cap rates in the upper 4% range, but a growing portion now trades in the low 5% spectrum.

Thank you.The report goes to FinCEN, the Financial Crimes Enforcement Network, that is a division of the Department of the Treasury, separate and apart from the IRS.

Treasury bills?

Despite the fall in active listings, the months of inventory (MOI) experienced a slight decrease to 3.6, with Austin contributing significantly to the decline, dropping over 10 percent.Decreasing Mortgage Rates Mortgage rates continued their descent, with treasury and mortgage rates falling amidst speculation that interest rate hikes are concluded.

At the moment, I see no compelling reason to buy rentals (arguably at the top of the market) that return less than the short-term treasury bill alternative.