Buying a home now beat waiting in 61% of scenarios, AD Mortgage study finds

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HousingWire reports that AD Mortgage compared buying a home now versus waiting across all states during a three-year period, and the math favored immediate purchase in 61% of scenarios. The study's geographic breadth and multi-year frame suggest the finding was not pinned to a single market condition but tested across varying rate environments and regional cycles. For prospective buyers who have been renting and waiting for clearer signals, the headline offers a counterintuitive prompt: the very hesitation meant to reduce risk may, in most cases, have compounded it.

That reconsideration creates a natural inflection point for financing strategy, and it is where loantrust.ai enters the picture. A borrower who now sees merit in acting rather than waiting still faces the practical question of how to qualify and structure the loan. loantrust.ai originates conventional, FHA, VA, and refinance products for homeowners, alongside DSCR, fix-and-flip, bridge, new-construction, multifamily, and bank-statement programs for investors. For self-employed borrowers, bank-statement programs provide an alternative documentation path. DSCR loans qualify based on property cash flow rather than personal income, which shifts the underwriting logic for investment purchases. Every file is packaged by one licensed MLO, not routed through a call center, meaning the same originator who assesses the scenario shepherds it through.

The significance is structural, not merely promotional. When market timing itself becomes a contested variable, the quality of the financing arrangement gains weight. A borrower who moves now on a misaligned product may erase the advantage the headline promises. loantrust.ai positions itself as a dedicated partner rather than a transactional call center, with program breadth that covers both entry-level homeownership and investor leverage strategies. In a climate where the wait-versus-buy calculus is shifting, that combination of specific product access and single-point accountability addresses the friction that often stalls the decision it now seems more costly to defer.