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What changed for people buying rentals and flips, and what it does to the numbers.
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What the Fed’s quarter-point hike costs a rental, a flip and a HELOC
On September 16, 2026, the Federal Reserve raised its target for the federal funds rate by a quarter point, to 3.75% to 4%. It doesn’t set fixed mortgage rates, but variable-rate debt tends to follow. In this example, a quarter point adds about $10 a month to a $50,000 HELOC, $216 to a six-month flip loan, and $34 a month to a new $200,000 rental loan whose rate goes from 7% to 7.25%.