DSCR loan rates

I’ve been deep in real estate for a while now, and one thing I’ve noticed: interest rates are like the weather, predictable in trends, but unpredictable in timing. When I read about how DSCR loan rates are behaving lately, what jumped out at me is the growing risk of waiting too long. Here’s what I’m thinking.
Right now, lenders are pricing in expected economic changes, bond yields, inflation, supply chain shifts and many signals point to rates possibly creeping up rather than down. If you go for a fixed-rate DSCR loan today, you lock payments and protect your cash flow from surprises. Yeah, fixed usually means a slightly higher opening rate than ARMs or interest-only options, but having certainty in real estate cash flow is gold when expenses rise.
On the other hand, waiting in hopes of lower rates can backfire. Rates might drop a bit, but the risk of sudden hikes is real. Plus, credit terms, insurance costs, property taxes, those don’t wait. They’re going up. So if you can qualify now, locking in seems smarter than trying to time the bottom.