The CBiz Capital Blog

Mortgage Rates & Economic Indicators

• Stubborn Rates: Mortgage rates remained above 6% throughout 2025, creating refinancing challenges and suppressing buyer demand.
• Economic Forecast: With unemployment projected at 4.2% and inflation around 2.4%, the Federal Reserve faces limited room to cut rates — keeping the mortgage rate environment elevated.

Home Prices & Market Stability

• Modest Appreciation: Home prices appreciated 2–3% in 2025, with similar growth expected in 2026 — indicating stability but flagging risk in certain markets.
• Affordability Challenges: High rates continue to limit affordability and slow household formation, dampening overall market momentum.

Housing Inventory Trends

• Balanced Supply: Inventory hovered around 4–5 months in 2025 — a notable increase from prior years that creates more opportunity for buyers.
• New Construction: New construction inventory peaked at 7 months, pushing builders into a buyer's market and driving more buyer incentives.

Rental Market Insights

• Incremental Rent Growth: Rents are projected to increase 1–3% in 2026. Investors should monitor local conditions carefully, as outcomes vary significantly by market.
• Strong Occupancy Rates: Despite a slight decline from COVID-era highs, occupancy remains near 94% — indicating a tight rental market overall.

Fix & Flip Dynamics

• Market Slowdown: The fix-and-flip market has slowed as profit margins compress. Investors are becoming more selective given tighter inventory and rising material costs.
• Distressed Opportunities: Increasing foreclosure rates present entry points for investors willing to navigate current market complexity.

Construction Trends

• Cautious Builder Sentiment: Despite housing demand, builders remain conservative due to rising material costs. Consistent housing starts are expected to continue at a measured pace.
• Margins Under Pressure: Builders are advised to pursue flexible financing strategies to protect profitability amid tight margins.

The 2026 housing market presents a mix of challenges and opportunities. Investors who stay informed, remain adaptable, and work with experienced lending partners will be best positioned to capitalize.

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Understanding DSCR Loans

DSCR loans are designed for investors who want to leverage rental property cash flow. The loan is assessed based on the property's income relative to its debt obligations — not your personal W-2.

• Income-Based Evaluation: Qualification focuses on property income potential, not personal credit score alone.
• Portfolio Flexibility: Ideal for investors with multiple properties looking to scale without overstretching personal finances.

Fix & Flip Loans

For investors looking to renovate and resell properties quickly, Fix & Flip loans provide targeted short-term capital to cover acquisition and rehab costs.

• Fast Access to Capital: Quick approvals let investors move on deals before they're gone.
• Interest-Only Payments: Many programs offer interest-only structures, preserving cash flow during the renovation phase.

Ground Up Construction Financing

When traditional bank financing isn't an option for new development projects, ground-up construction loans provide crucial support for developers facing unique challenges.

• Tailored Solutions: These loans accommodate unconventional projects that may not meet standard bank criteria.
• Support for Developers: Whether building residential or commercial, this financing helps bring your vision to life.

Commercial Mortgages

For businesses purchasing or refinancing commercial real estate — office, retail, warehouse — commercial mortgages provide the long-term capital structure you need.

• Long-Term Stability: Typically structured over 5–20 years, providing operational stability for growing businesses.
• Potential Tax Benefits: Interest payments may be tax-deductible, offering additional savings for business owners.

Loan amounts and approvals are contingent upon debt-to-income ratios and credit scores.

Ready to explore your financing options? CBiz Capital is committed to helping you find the right solution for your unique investment strategy.

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Comprehensive Financial Solutions

• Working Capital Financing: Providing businesses with the liquidity to manage day-to-day operations and stay in the game.
• Equipment Financing: Helping businesses acquire technology and machinery without straining cash flow.
• Commercial Real Estate Financing: Tailored solutions for purchasing or refinancing commercial properties to grow your asset portfolio.

A Tailored Approach

CBiz Capital's key strength is its personalized process. Every business is different — we work closely with clients to develop customized financing strategies that align with their specific goals and timelines.

Expertise You Can Trust

Our team of experienced professionals provides not just funding but insight into the financial landscape — helping clients navigate complex decisions with confidence.

Why CBiz Capital?

• Flexibility: A broad range of financing options to meet diverse business needs.
• Speed: Time-sensitive decisions handled with urgency and clarity.
• Support: Guidance from initial consultation through final funding — every step of the way.

Having a reliable financial partner can make all the difference. CBiz Capital is ready to help you unlock your full potential.

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