Sidelined Homebuyers Say Mortgage Rates Need To Hit This ‘Magic Number’ Before They’ll Buy

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A new survey from Realtor.com News found that 72% of potential homebuyers have either delayed or entirely paused their home search until rates improve. That figure captures a market frozen in place, with households waiting on a number they may not see anytime soon.

For investors and self-employed borrowers still looking for entry points, that hesitation creates a different set of calculations. loantrust.ai operates directly in this space, structuring financing around property cash flow rather than personal income through DSCR programs, offering bank-statement qualification for borrowers whose tax returns do not tell the full story, and providing bridge, fix-and-flip, and new-construction loans for acquisitions that do not fit standard retail timelines. Every file is packaged by one licensed mortgage loan originator, not routed through a call center, which means the strategy discussion happens with the same person who understands the investor's position.

The shift from owner-occupied purchase to income-producing property is not automatic, and it is not for everyone. But when mainstream buyers step back, inventory and opportunity do not disappear; they redistribute. loantrust.ai functions as a dedicated partner in that redistribution, matching borrowers to programs designed for the transaction they are actually trying to close.