On The Market

The Federal Reserve hiked rates last week, but did it actually help the housing market? Our panel of real estate investing experts isn’t all that bummed by potentially higher rates and less housing market activity—why? Because new opportunities are forming thanks to the Fed’s recent rate hike—opportunities that could make deals even better to buy in 2026 and into 2027.

We’re back discussing the biggest housing market headlines from last week. Obviously, we can’t talk about headlines without touching on the Fed meeting and subsequent rate hike. Ripples from that decision could start showing up in the real estate market soon—price cuts for some properties, canceled listings for others, and stalled sellers who refuse to budge but won’t get bids.

So, what should investors do now to ensure they’re picking up solid deals with the likelihood that prices could continue dropping across many markets? The full panel is sharing what they’re actually doing now—from paying points to cutting insurance costs, getting HELOCs ready, and more.

You can use this market to your advantage—and we already are.

In This Episode We Cover

The aftermath of the first Fed rate hike since 2023 (and what it means for home prices)

Trump's 1% federal funds rate demand and whether it could actually happen

Will sellers begin pulling out of the market as buyers begin to drop off?

What we’re doing right now to buy better deals and sell the ones that aren’t performing

The things that must be solved before interest rates can come back down

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Join BiggerPockets for FREE

Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets

Sign Up for the Investor Brief Newsletter

Find an Investor-Friendly Agent in Your Area

On The Market 461 - You’re Not Gonna Like What Happens to Mortgage Rates

Dave's BiggerPockets Profile

Henry's BiggerPockets Profile

James' BiggerPockets Profile

Kathy's BiggerPockets Profile

Quartz: Trump demands 1% interest rates after Fed hike, backs Warsh

Reuters: US homebuilder sentiment drops to 12-month low in September

Grab Henry’s Book, Real Estate Deal Maker

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The U.S. government may have just lost the war on mortgage rates.

Last week, the U.S. Treasury announced one of its biggest bond buyback programs in years—a whopping $6 billion allocated to (hopefully) lower bond yields, and by proxy, interest rates. Not only did it backfire, but it may have angered the bond investors so much that the market’s recovery is now in jeopardy. Do we still have any hope of lowering bond yields and mortgage rates so the housing market can get back in business?

Today, we’re breaking down the good, the bad, and the ugly buybacks of the bond market, how this will affect your mortgage rates over the next year, and what can be done to spur confidence in bond yields (and the U.S. government). Dave even gives his mortgage rate prediction for 2027, with a range of where we could end up by this time next year.

If rates stay high and housing demand gets even more subdued, the buying opportunities, price cuts, and seller concessions could only increase. Are you going to take advantage?

In This Episode We Cover

A full update on the bond market and how the U.S. government is trying to save yields

Dave’s 2027 mortgage rate prediction and whether we could go even higher than we are now

The failed bond “buyback” strategy that could take a long time to recover from

Three reasons why bond yields (and mortgage rates) are surging right now

How the Fed raising rates could actually lower your mortgage rate in the future

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Join BiggerPockets for FREE

Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets

Sign Up for the Investor Brief Newsletter

Find Investor-Friendly Lenders

On The Market 436 - The Fed Signals a Reversal in Rates

Dave's BiggerPockets Profile

Grab Dave’s Book, Start with Strategy

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The rules of real estate investing have changed.

For years, investors were using the one-percent rule to quickly determine if a real estate deal would cash flow. But the one-percent rule, rent-to-price ratio, and other common rules of thumb have a glaring blind spot. They account for purchase price, but they don’t account for expenses.

Meanwhile, mortgage rates, taxes, and insurance have all risen across the board—expenses that can easily kill your cash flow.

So, Dave’s come up with a new rule of thumb you can use to quickly analyze rental properties and markets. He’s calling it the rent-to-payment ratio. By comparing estimated rents to the estimated PITI payment itself, you’ll have a much better idea of whether a rental property will actually cash flow month to month.

And today, we’re not just breaking down how the formula works. Dave also built an entire spreadsheet that ranks U.S. real estate markets by their rent-to-payment ratios. Whether you’re looking for the best cash flow markets to invest in or a quick way to weed out unprofitable properties, this is the kind of math you need to make sharper investing decisions in 2026.

In This Episode We Cover

The “new” rule of thumb for finding great real estate deals and rental markets

Why rent-to-price ratio is a flawed metric (and which ratio to use instead)

Why the popular one-percent rule no longer works in 2026

The top 10 real estate markets with the highest rent-to-payment ratios

How to bake today’s mortgage rates, taxes, and insurance into your initial analysis

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Join BiggerPockets for FREE

Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets

Let Us Know What You Thought of the Show!

Sign Up for the Investor Brief Newsletter

Find Investor-Friendly Lenders

Dave's BiggerPockets Profile

BiggerPockets Calculators

The Summer 2026 Rent-to-Payment Report: Where You Can Still Cash Flow with Real Estate

Grab Dave’s book, Real Estate by the Numbers

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Are the price cuts deeper than you think? Do buyers have even more power than we’ve been led to believe?

National housing data tells us one thing, but local-level expertise can paint a completely different picture. While national data points to marginal price cuts, brokers in major markets are seeing significantly more volatile numbers. We wanted to know what’s actually happening in big markets like Austin, Atlanta, Seattle, Tampa, Long Island, and beyond—so we called the actual brokers who do business there and got them on the show.

Today, we’re talking with Justin Hroch, Micah Mortag, and William ODonnell, brokers in the South, Southeast, and Northeast doing real deals for buyers, sellers, and investors. It’s no surprise that areas like the South are struggling, but how is (very expensive) New York faring with a changing political landscape and so many more regulations?

We’re getting into how long homes are sitting on the market, how much power buyers and sellers have, the price cuts you can anticipate, and what to look at before you buy a property in any of these markets.

In This Episode We Cover

Areas of the country seeing the biggest price cuts or bidding wars

What type of properties are selling fast even in slow markets like the South

The cities being buried in inventory where sellers are taking big haircuts on price

One market seeing strong appreciation, even in 2026 (we’re talking 8% price jumps!)

The “sweet spot” properties you can find in each of these areas to make a profit (regardless of how the market moves)

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Join BiggerPockets for FREE

Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets

Sign Up for the Investor Brief Newsletter

Find an Investor-Friendly Agent in Your Area

On The Market 450 - A Buyer’s Summer Is “On” as Asking Prices See Steepest Decline Since 2017

Justin's BiggerPockets Profile

Micah's BiggerPockets Profile

William's BiggerPockets Profile

James' BiggerPockets Profile

Realtor August Housing Report

Grab The Book on Negotiating Real Estate

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The housing market is sending mixed signals—or so it seems. Foreclosures are rising, yet many investors are pulling back. Cash buyers are retreating, competition is cooling in many markets, and affordability challenges appear to be catching up with investors. Are these signs of another 2008-like collapse, or is there context behind the numbers?



This week’s headlines largely point to waning investor activity. Investor home purchases are down, and the share of cash buyers is decreasing. Meanwhile, foreclosures are returning to levels we haven’t seen in several years.



But when you dig beneath the surface, nothing is as dire as it appears. Pent-up foreclosure starts are still well below historical norms. And while the market continues to cool in many areas, it’s creating rare opportunities and negotiation power for investors who are willing to go against the grain.



So where are these opportunities hiding, what secret “edge” do mom-and-pop investors have that others overlook, and how do you ensure today’s deals don’t become tomorrow’s disasters? We’re breaking it all down on today’s show.

In This Episode We Cover

How small investors can gain an edge in the current housing market

Why rising foreclosures aren’t the “warning sign” most think it is

New investing opportunities coming from decreased competition

Why many investors are leaving the housing market in 2026

How affordability challenges and regulatory risks are affecting investors

And So Much More!

Links from the Show

Join the Future of Real Estate Investing with Fundrise

Join BiggerPockets for FREE

Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets

Sign Up for the Investor Brief Newsletter

Find Investor-Friendly Lenders

ATTOM: Foreclosure Activity Posts Annual Increase in First Half of 2026

Redfin: Investor Home Purchases Fall to Lowest Level Since 2020

CNBC: Cash Is No Longer King in Home Sales

Mortgage Defaults and Foreclosures Are Surging in Key Markets: What Investors Need to Know

Henry's BiggerPockets Profile

James' BiggerPockets Profile

Kathy's BiggerPockets Profile

Buy the Book, Recession-Proof Real Estate Investing

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