The July inflation report delivered somewhat better news for financing markets this morning, but real estate investors should resist making the leap from “lower inflation” to “lower investment-property rates.”
BLS reported that CPI increased 0.1% during July and 3.4% from one year earlier. Core CPI increased 0.2% monthly. The 10-year Treasury constant-maturity rate closed August 11 at 4.70%, while the 30-year closed at 5.24%.
Following the CPI release this morning, the 10-year was trading around 4.66%, indicating a relatively limited initial market reaction.
A 10-year Treasury note auction is scheduled for later today, with a 30-year bond auction scheduled for August 13.
These market developments can influence financing costs, but DSCR, bridge, multifamily and construction-loan pricing also depends on lender spreads, leverage, credit and property-specific risk.
Fix-and-Flip Investors Have More Negotiating Leverage—But Also More Exit Competition
Zillow’s July report showed 1.41 million homes available for sale nationally, 1.5% more than one year earlier.
Twenty-seven point one percent of listings received a price cut, while the median time required to go pending increased to 25 days.
Those conditions can benefit investors searching for acquisitions. They can also make the resale exit more competitive, so a realistic exit budget should account for:
- Vacancy
- Concessions
- Management
- Maintenance
- Taxes
- Insurance
- HOA dues
- Capital expenditures
- Actual financing payments
Insurance Cannot Be an Afterthought
LexisNexis reported in July that all-peril homeowners-insurance claim severity reached a seven-year high in 2025 and was 93.2% above its 2019 level.
An investor should not assume that a seller’s current insurance premium will be available to the new owner.
Obtain an actual insurance indication during due diligence. For renovation properties, also determine whether the project requires vacant-property or builder’s-risk coverage.
ACP Financing Focus: DSCR Loans
ACP Real Estate Lending can evaluate eligible rental-property purchases and refinances. Potential underwriting considerations include:
- Property value
- Supported rent
- Taxes
- Insurance
- HOA dues
- FICO
- Leverage
- Reserves
- Property type
- Loan structure
Sources: Bureau of Labor Statistics — August 12, 2026. U.S. Treasury — August 11, 2026. Zillow July Market Report — August 6, 2026. LexisNexis U.S. Home Insurance Trends Report — July 22, 2026.
Financing is subject to property review, appraisal, documentation, lender guidelines and final approval. This is not a commitment to lend.