October Marks the First Month in 3 Years With a Decline in U.S. Home-Sale Prices
The median U.S.
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Redfin News reports that the median U.S. home-sale price fell in October for the first time in over three years, breaking a streak that had stretched back to the early pandemic era. The pullback was broad enough to register nationally even as hot metros like San Francisco and greater New York City continued to post double-digit annual gains of 16.8 percent and robust growth respectively. Mortgage rates crossing above 7 percent dragged sales volume down, and the flattening that followed suggests buyers and sellers are now recalibrating in a market that no longer rewards every bid with instant appreciation.
For investors and self-employed borrowers watching this inflection point, the shift from automatic price growth to selective opportunity changes the financing calculus. loantrust.ai operates directly in this space, structuring DSCR loans that qualify on property cash flow rather than personal income, bridge and fix-and-flip programs for acquisitions that depend on exit timing, and bank-statement options for borrowers whose tax returns do not reflect their actual earning power. One licensed MLO packages every file, which means the same person who reviews the scenario stays with it through closing instead of handing it off to a call-center queue.
A market that is no longer rising everywhere rewards precision over momentum. Investors who can identify cash-flowing rentals, value-add rehabs, or construction plays in transitioning metros need financing that underwrites to the deal itself, not to generic assumptions about where prices are headed. That distinction matters now because the margin for error has narrowed, and a partner who understands investor-specific programs is positioned to move when the numbers work rather than when the headlines confirm a trend.
Source: Redfin News, “October Marks the First Month in 3 Years With a Decline in U.S. Home-Sale Prices”. 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.