You may be able to guess the general direction over a large time period, but if you are asking what they are going to be in 36-38 months, everyone is guessing after that.Conservatively insurance rates for Property coverage will be flat to slightly elevated the next 3-5 years. 

Hello Everyone,Early 2026 data shows single‑family rentals holding strong amid softening for‑sale market, with mortgage rates staying elevated and supporting rental demand.

While the rate decision itself was widely expected, the statement delivered a modestly more confident assessment of economic conditions, with the Fed upgrading its characterization of growth to say activity has been expanding at a “solid pace” and maintaining that inflation “remains somewhat elevated.”Notably, the Fed removed prior language highlighting rising downside risks to employment, signaling a more balanced view of its dual mandate.

This is a well-reasoned concept, and I think your framing around tenant psychology vs. pure cash-flow math is exactly where this either works or breaks.A few observations from markets where we’ve seen similar “rent-by-choice” dynamics:The tenant profile absolutely exists, but it’s narrower than it looks on paper.Empty nesters and downsizers do value elevators, low maintenance, and flexibility, but many in this demographic still default to ownership because of familiarity and emotional comfort.

While mortgage rates remain elevated compared to a few years ago, pricing has become more stable, which is helping improve consistency in rate sheets.Week Ahead: What the Market Is WatchingThis week is all about inflation, jobs, and the Fed.

Even if the 10-year remains elevated due to inflation, deficits, or macro noise, mortgage rates are no longer being inflated by fear alone.Then:4.25% Treasury + 290 bps spread = 7.15% rateNow:4.24% Treasury + 175 bps spread = 5.99% rateThat delta is massive and hopefully it gets lot of sidelined buyers to make a move.

Importantly for rates, inflation expectations edged lower on the one‑year horizon but stayed elevated on longer‑term views, suggesting consumers feel some near‑term relief without being fully convinced inflation is beaten.

Just want to elevate everything Abel said.

The lenders you partner with either elevate you or create cleanup work.Questions I have for BP MembersInvestors: What's been your experience with lender execution?

Quote from @Luis Diego Clare: With rates staying elevated and deals tighter, I’m curious how folks here are adjusting on the lending side.A few questions I’ve been thinking about:-What LTVs are you comfortable with right now for fix-and-flip or value-add deals?