Real Estate Investing with Coach Carson #440: Where Are Mortgage Rates Going? The 3 Scenarios That Matter Most
Aug 29, 2025
Joining the conversation is Michael Zuber, an investor and educator known for his YouTube channel, One Rental at a Time. He and Coach Carson dive into the uncertain future of mortgage rates, breaking down three potential scenarios: rising, flat, and falling. They discuss factors like government debt and the job market's impact on rates. Zuber emphasizes the importance of strategic planning for investors and seizing opportunities, reminding listeners to adapt to current market conditions for success in real estate.
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Bond Market Controls Long-Term Rates
- Mortgage rates are driven by the broader bond market, not just the Fed's overnight rate.
- Multiple factors like inflation, wage pressure, and government debt can push long-term rates higher.
Few Realistic Paths To Resolve Government Debt
- Governments typically choose three debt solutions: raise taxes, cut spending, or inflate the debt away.
- The U.S. could also monetize assets on its balance sheet to help reduce debt if chosen.
Sideways Rates Could Be Healthy
- A multi-year sideways rate environment is plausible and historically normal.
- Sideways rates may feel slow but prevent systemic shocks and let bad deals be cleaned out gradually.