Proper Lending Group

What is a DSCR Loan?  A DSCR loan, short for Debt Service Coverage Ratio loan, is a type of mortgage designed specifically for real estate investors. Unlike traditional home loans that rely on tax returns, pay stubs, or W-2 income, a DSCR loan focuses on the property’s income potential — not the borrower’s personal income. In other words, the property’s ability to generate rent is what determines whether the borrower qualifies. How DSCR Loans Work The foundation of a DSCR loan is simple: it...

The Federal Reserve’s October 29, 2025 rate cut sent a clear message: borrowing costs are easing, but the window may be short. The Fed lowered the federal funds rate by 0.25%, to a range of 3.75%–4.00%, marking its second rate cut of the year. Mortgage lenders and investors immediately responded as Treasury yields fell — pushing mortgage rates today to their lowest levels in nearly 12 months. However, Fed Chair Jerome Powell cautioned that another rate cut in December is “far from a foregone...

The 10-Year Treasury Just Hit a 12-Month Low — Here’s What That Means for You. The 10-Year Treasury yield has reached its lowest level in 12 months — a key signal that mortgages and Home Loan rates could soon follow. Over the past year, both buyers, first time home buyers, refinancers and realtors have been watching mortgage rates closely, waiting for signs that relief might finally be on the horizon. This week, we got one. The 10-Year Treasury yield, one of the biggest indicators of where...