Alanna Avalone – Private Lender

2025, Issue No. 17

Dear Investor,

The Federal Reserve kept interest rates steady at 4.25%–4.50% in its latest meeting, choosing patience as it monitors inflation and economic data. What stood out this time was two governors calling for an immediate rate cut. The first multiple dissent vote in decades.

That decision matters to us because markets were already shifting before the announcement. The 10‑year Treasury yield, which is a good indicator for mortgage pricing, has been trending down steadily throughout 2025. It’s not a huge drop overnight, but it’s enough to matter. For the first time in a while, we’re seeing rental loans closing in the mid‑5% range. That shift alone is changing the math for investors, acquisitions that didn’t pencil six months ago are starting to work.

I’m also seeing more inventory hitting the market. Some sellers who were holding off have decided to move forward, partly because they see that buyers finally have some breathing room on financing. Combined with lower rates, that means better leverage and more options for those looking to add or reposition properties.

From my perspective, this is a window of opportunity, not hype, not a “rush and buy now” push, but a genuine opening to plan for the next 12–24 months. For many of you who focus on rentals, DSCR loans and portfolio financing are showing real flexibility right now. Investors with strong credit (740+ FICO) are in an even better position, with programs covering as much as 90% of purchase price, even without prior experience.

That tells me one thing: capital is looking for a home, and the door is opening again for investors who want to scale.

I’m keeping a close eye on these trends because they tend to compound quickly. When financing gets more affordable, inventory moves faster, and once that momentum builds, opportunities tighten up again. For now, though, we have a bit of breathing room to be strategic, make careful moves, and think about portfolio growth under much more favorable terms than we’ve had in a long time.

If you’re looking at new opportunities or even just watching from the sidelines, keep an eye on this rate movement. It’s subtle but meaningful, and it’s already reshaping how deals are getting done.

Docs, Not Clocks. That’s still the pace we’re keeping.

Alanna Avalone – Private Lender

This newsletter is my weekly take on lending, markets, and mindset, from someone who still loves helping people get deals done.

Thanks for reading.

Capital Markets – Fed Holds Rates, Market Opens Up

Where money is flowing, what lenders are favoring, and how to position your next deal.

The Federal Reserve kept interest rates steady at 4.25%–4.50% in its latest meeting, despite external pressure to cut. What stood out this time was two governors dissenting, calling for an immediate 25 bps cut. The first multiple‑dissent vote in decades.

For real estate investors, this matters because the Fed’s cautious stance keeps borrowing costs stable for now, while markets are already responding to improving conditions:

Takeaway: Financing conditions are stabilizing, inventory is expanding, and capital is flowing again. This creates breathing room to evaluate deals and lock in favorable terms before competition heats back up.

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Good news!

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• Funds disbursed as draws based upon verification of completed work

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— We do Docs, Not Clocks, because when it comes to deals, speed matters and we deliver