First, the "risk free rate of return" is basically what the Treasury is doing.

US Treasury's Bessent says they are interviewing 11 Fed chair candidates (ET).- Want to talk inflation?

Im very new to how rates are affected by Treasury Yield.

Although safe, they aren’t in theory quite as safe as a US Treasury Bill/Bond, so the rates will be a bit above the Treasury Rate.

The 10 year treasury yield has had a steep drop off, now hovering around 4%.

Treasury yields are markedly lower, led by the 10-year note, which is trading at 4.06%, down from its summer range of 4.20% to 4.50%.

The scale of the revision highlights a significantly weaker labor market than previously understood and has immediate implications for monetary policy.The 10-year Treasury yield briefly touched 4.03%, testing major resistance at 4.00%.

The attached chart is the 10-Year Treasury and you need to watch it closely (“TNX” on your smart phone’s stock ticker).

Regarding trends for DSCR rates, follow the 2 year treasury. 

On Monday, Treasury Secretary Scott Bessent told the Washington Examiner that the Trump administration may declare a national housing emergency this fall, citing rising prices and dwindling supply.