🏠 Treasury Yield Updates 5-Yr UST Yield: 3.845% > 3.821% 10-Yr UST Yield: 4.255% > 4.234% Why is this important? - Typically for every 20 basis point swing, rates will move 1/8th in the corresponding direction. In the last week rates have held steady with no real movement in any direction. - Big jump in rates in the last week. It seems as if that jump is cooling off a little. Hope to see the treasuries dip into the mid 3’s (5-Year) and low 4’s (10-Year) 📈 Industry Headline • First Time Homebuyer: Interesting read on the ever increasing age of first time homebuyers. From 33 to 40 in only 5 years. Is it time to panic? I’m 26 years old and don’t want to be 14 years from my first home! 📘 What You Should Know (Opinion) Even with rates above 6%, purchase activity is improving. Freddie Mac noted that buyers are responding because today’s rates are still lower than this time last year, when rates were closer to 6.65%.

🏠 Treasury Yield Updates 5-Yr UST Yield: 3.727% > 3.845% 10-Yr UST Yield: 4.136% > 4.255% Why is this important? - Typically for every 20 basis point swing, rates will move 1/8th in the corresponding direction. In the last week rates have held steady with no real movement in any direction. - Big jump in rates in the last week. Paying attention to external factors, this is no need to panic in the long run. 📈 Industry Headline • Buyer Friendly Spring: Experts are predicting a buyer friendly spring. Pace of inventory and falling prices will contribute to a big boom in purchases going forward. 📘 What You Should Know (Opinion) War creates uncertainty in global markets Oil prices rise Higher oil creates inflation pressure Bond yields move up Mortgage rates creep higher

The Importance of Conservative ARV When investors analyze a deal, ARV (After Repair Value) drives most of the projections. The mistake many investors make is being overly optimistic. Common issues include: - Using the highest comp instead of the average - Ignoring differences in property condition - Underestimating market shifts 🎯 Takeaway:Conservative ARV estimates protect your margins and reduce risk.

🏠 Treasury Yield Updates 5-Yr UST Yield: 3.725% -> 3.727% 10-Yr UST Yield: 4.152% -> 4.136% Why is this important? - Typically for every 20 basis point swing, rates will move 1/8th in the corresponding direction. In the last week rates have held steady with no real movement in any direction. 📈 Industry Headline • Home Contract Cancellations: Buyers showed incredible resolve as cancellations continue to edge downward. It’s important to find markets where deals are likely to close. 📘 What You Should Know (Opinion) Financing Strategy Matters More Than Ever Investors are getting creative with financing, including: - Bridge loans - DSCR loans - Seller concessions The structure of the deal can make a huge difference in profitability.

🏠 Treasury Yield Updates 5-Yr UST Yield: 3.648% -> 3.725% 10-Yr UST Yield: 4.069% -> 4.152% Why is this important? - Typically for every 20 basis point swing, rates will move 1/8th in the corresponding direction. In the last week rates have held steady with no real movement in any direction. 📈 Industry Headline • https://www.realtor.com/news/trends/millennial-homebuyers-midwest-affordable/: Millennial homebuyers are finding success in the Midwest! Particularly, Dubuque, IA, Monroe, MI, Wausau, WI. 📘 What You Should Know (Opinion) Owner-occupant buyers tend to pause when rates rise. Professional investors, however, often lean in because: - Competition decreases - Negotiation power increases - Better entry prices appear Different buyers react differently to the same market.