Mortgage rates are high. Home prices are high. Insurance, property taxes and maintenance costs are high.
But for single-family rental investors, the market could be looking much worse. As mortgage demand from traditional borrowers has waned in 2026, competition has surged for residential investor loans keeping a trillion-dollar U.S. mortgage market afloat.
“In my opinion, it absolutely is the biggest DSCR story of 2026,” says Charles Goodwin, who leads lending operations for Kiavi, one of the nation’s largest investor-specific lenders.
Banning large institutional investors from purchasing single-family homes was a major push by the second Trump administration — despite large institutional investors accounting for just a fraction of rental i...