Cash buyer market share falling from pandemic highs
Total home sales fell 8.5% year-over-year, while the number of cash transactions dropped 11.2% ]]>
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HousingWire reports that the cash buyer market share is retreating from its pandemic-era peak, with total home sales down 8.5% year-over-year and cash transactions falling even faster at 11.2%. The pullback suggests that the all-cash investors who dominated the market during the low-rate years are now stepping back as carrying costs rise and returns compress. For the housing market overall, this marks a measurable shift in who is actually buying property and how deals are getting done.
That shift leaves a gap for investors who still want to acquire but need financing structured around the deal itself rather than personal liquidity. loantrust.ai operates directly in this space, originating DSCR loans that qualify on property cash flow, fix-and-flip and bridge programs for shorter-term projects, new construction and multifamily financing for scale, and bank-statement programs for self-employed borrowers. Every file is packaged by one licensed MLO rather than routed through a call center, which means the same person who understands the strategy stays with it from submission to close.
For investors watching the cash crowd thin out, the practical effect is more inventory competition from financed buyers and a renewed premium on speed and certainty. loantrust.ai functions as a dedicated partner in that environment rather than a transactional call center, with an Atlanta-based brokerage structure built around investor workflows. The programs match the moment because they are designed for borrowers who are buying on math, not on cash reserves alone.
Source: HousingWire, “Cash buyer market share falling from pandemic highs”. Read the original →
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Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.