Mortgage Rates Are Dropping… But Are Investors Really Winning?

[William Thompson]

The bond market is signaling cuts, mortgage rates are sliding, and suddenly everyone is talking about jumping back into real estate.

But here’s the part no one’s posting about:Lower rates don’t just change your monthly payment—they completely shift:

1. Your tax deductions

2. Your refinance strategy

3. our long-term cash flow picture

I’ve been running the numbers with clients, and here’s the wild part: a 1% rate drop can mean tens of thousands saved OR lost, depending on how you structure the deal.

Hot Take: Rates are sexy to watch, but tax strategy will decide who actually wins in this new market.

Curious—are you planning to jump in with lower rates, or are you waiting this cycle out? Let’s hear your thoughts. 

— William Thompson

Real Estate CPA & Tax Strategist