September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%
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Realtor.com Research reports that mortgage rates crossed 7 percent in September for the first time in 20 months, and the effects are showing up fast in seller behavior. The share of listings with price cuts reached its highest level since 2022, a direct response to affordability pressure on buyers as financing costs climbed. Meanwhile, inventory continued to build, giving purchasers more options but also signaling that sellers are adjusting expectations in real time.
For investors and self-employed borrowers, this shift changes the math. Higher rates and growing inventory create a window where property cash flow matters more than ever, and where traditional income documentation may not capture full borrowing capacity. loantrust.ai operates directly in this space, offering DSCR loans that qualify on rental income rather than personal W-2s, bank-statement programs for borrowers with non-traditional earnings, and bridge or fix-and-flip financing for acquisitions that need to close before long-term refinancing. Every file is packaged by one licensed MLO, not routed through a call center, which means the structure of the loan is built around the specific property and the specific strategy from the start.
That structure matters when markets are in transition. A dedicated partner rather than a transactional call center can distinguish between a property that pencils on cash flow today and one that relies on appreciation assumptions that may not hold. For Atlanta investors and borrowers working across conventional, FHA, VA, or investor-specific channels, the current combination of price cuts and elevated rates rewards financing that is matched to the deal rather than forced into a standard template.
Source: Realtor.com Research, “September 2026 Monthly Housing Trends: Price Cuts Hit 4-Year Highs as Mortgage Rates Top 7%”. 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 Georgia
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.