Why Mortgage Rates Near 6% in 2026 Matter for Real Estate Investors

Mortgage rates near 6% in 2026 will reduce affordability, shrinking the pool of buyers and extending selling times. The "lock-in" effect keeps many homeowners from moving, limiting housing supply and increasing competition for properties. However, higher rates boost rental demand, benefiting rental investors. Refinancing at lower rates can improve cash flow. Investors must focus on positive cash flow, smart leverage, and adapt to a more balanced, strategic market.