Single Family Market Update: Rates at 6.01%, Refi Surge, Builder Financing Improves, Rent Growth Compresses (2026.02.23) Titelbild

Single Family Market Update: Rates at 6.01%, Refi Surge, Builder Financing Improves, Rent Growth Compresses (2026.02.23)

Single Family Market Update: Rates at 6.01%, Refi Surge, Builder Financing Improves, Rent Growth Compresses (2026.02.23)

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  • Mortgage rates fell to 6.01%, down eight basis points week-over-week and lowest since early January
  • Refinance applications jumped 7% weekly and are up 132% year-over-year, signaling active borrower response near 6%
  • Purchase applications dipped modestly while VA purchase activity rose
  • Refinance window open for DSCR and bridge loans originated at higher 2023–2024 rates
  • Single-family housing starts declined 6.9% year-over-year in 2025, reflecting continued construction pullback
  • Builder confidence slipped to 36, while share of builders cutting prices declined month-over-month
  • Acquisition, development, and construction loan rates fell to 7.61% in Q4, lowest since 2022
  • Builder financing costs improving even as sentiment softens, creating selective competition in builder-heavy markets
  • Housing inventory rising into spring with price reductions still elevated relative to historical norms
  • Single-family rent growth slowed to 2.7% year-over-year, with affordability improving to four-year highs
  • Rental yield compression tightening DSCR underwriting and limiting BRRRR refinance upside
  • Construction wage growth stabilizing alongside lower financing costs, improving cost structure for ground-up and heavy rehab projects
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