Cash is no longer king in home sales
Cash buyers are a diminishing share of the overall housing market, as more supply and weaker prices give all buyers more purchasing power.
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CNBC Real Estate reports that cash buyers are becoming a smaller slice of the housing market, as rising inventory and softer prices give financed buyers more leverage than they have held in recent years. The shift means that sellers are no longer in a position to dismiss offers contingent on financing, and buyers who need a mortgage are finding themselves with more negotiating room and less competition from all-cash competitors. This is a notable reversal from the pandemic-era market, where cash frequently trumped financed bids.
For investors and owner-occupants alike, this environment rewards preparation. The buyers who move decisively are the ones who arrive with financing already structured, and loantrust.ai operates directly in that space. A single licensed MLO personally packages each file, rather than routing borrowers through a call center, which matters when timing and clarity determine whether a financed offer competes with cash. The firm structures DSCR loans for rental properties, bank-statement programs for self-employed borrowers, and bridge, fix-and-flip, new-construction, and multifamily financing for investors, all with the same direct handling.
What this means in practice is that the competitive advantage cash once provided is now, in part, a financing problem. Borrowers who can demonstrate ready capital through a properly underwritten loan are increasingly on equal footing, and in some cases preferred when cash buyers lowball in a cooling market. loantrust.ai functions as a dedicated partner in that positioning, not a transactional call center, which aligns with how this market actually works now.
Source: CNBC Real Estate, “Cash is no longer king in home sales”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: loantrust.ai
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.