Mortgage rates are back on the rise — but the story goes deeper than Fed policy. Behind the recent jump lies bond market volatility and investor demand for higher yields, which directly impact long-term borrowing costs. In this post, I unpack what’s really driving rates, how it’s cooling the traditional housing market, and why Dallas still offers opportunity — especially for investors focused on cash flow, long-term growth, and single-family rentals under FHA limits. If you’re wondering whether now is the time to act or wait, this breakdown will give you the context and clarity to move forward with confidence.

Interest rates play a crucial role in real estate investing, directly impacting cash flow, mortgage costs, and overall returns. While today’s rates hover around 7%, strategic investors know that refinancing can unlock future cash flow potential. Leveraging financing, tax benefits, and creative loan programs can help maximize your returns. Even in a high-interest market, smart investments can still generate strong long-term gains. By understanding when to buy, refinance, and structure deals, investors can turn market fluctuations into opportunities for growth.