Splitero’s Michael Gifford says HEIs could gain market share as mortgage rates stay high

Educational

HousingWire reports that Splitero's Michael Gifford sees home equity investments gaining traction as mortgage rates remain elevated, with securitization demand potentially driving down costs even as regulatory uncertainty clouds the outlook. The product occupies an awkward middle ground between debt and equity, and its growth depends partly on whether originators can bring pricing closer to conventional mortgage territory. For now, the market remains small and specialized, more curiosity than mainstream option.

The persistence of high-rate financing creates a situation where borrowers and investors alike are searching for structures that preserve cash flow and avoid long-term debt traps. loantrust.ai works in that space through financing strategy rather than product gimmick: DSCR loans that qualify on property cash flow rather than personal income, bridge and fix-and-flip programs for investors moving quickly on opportunity, and bank-statement programs for self-employed borrowers whose tax returns do not tell the full story. One licensed MLO packages each file personally, which means the same person who hears the situation also structures the response, not a call center passing paperwork between shifts.

What matters now is that alternative capital sources are being tested under real market stress, not just low-rate experiments. Investors and entrepreneurs who built strategies around cheap leverage are recalibrating, and the ones who survive this cycle will likely be those who secured flexible financing before conditions tightened further. loantrust.ai operates directly in this space as a dedicated partner rather than a transactional call center, which is a different proposition when timelines compress and terms become decisive.