John Cobain Home Loans in partnership with Edge Home Finance-MLO374881

09/09/2026

☕️ WEDNESDAY MORNING MARKET UPDATE
Mild red — MBS resilient despite oil ripping 3%.

📊 THIS MORNING:
MBS down 4 bps, 10-year up 1 tick — nearly 4.80%

💪 RESILIENCE:
With oil up 3%, MBS being only -4 bps is actually impressive.
📍 WHERE WE ARE:
Rates near yesterday's levels. Still close to 15.5-16 month highs.

📅 BIG DATA COMING:
Thu: Core PPI 🎯, Fri: Core CPI 🎯
Plus we'll continue monitoring geopolitics.

Watch the video for the full details 👇

09/08/2026

☕️ TUESDAY MORNING MARKET UPDATE

Post-holiday quiet start — oil hitting 3-month highs.

📊 THIS MORNING:

MBS down 1 bp
10-year down ~¼ tick

🛢️ OIL — $93/BARREL:
Highest level in roughly 3 months. Keeps pressure on the inflation narrative.

📅 THIS WEEK'S CALENDAR:

Today: Limited activity — couple bond auctions ~10 AM
Thu: Core PPI 🎯
Fri: Core CPI 🎯

🌍 EARLY WEEK FOCUS:
U.S.-Iran developments + Strait of Hormuz situation and how they affect oil.

Questions about rates? Call or DM me anytime.

09/07/2026

Week Ahead Preview 📊

Inflation week! Slow start with Labor Day today and just a couple of bond auctions Tuesday and Wednesday.

The action starts Thursday:
🔹 Thursday: Core PPI
🔹 Friday: Core CPI — the market's preferred inflation metric
Friday's Core CPI has a definite tie to whether the Fed hikes in September.

Watch out: Headline CPI and PPI will likely be higher than last month — oil rose 10% in August alone.

And as always, any major US/Iran headlines will trump the data.
Enjoy the rest of the long weekend! ☀️

Full breakdown 👉

09/03/2026

Your W-2 doesn't matter.

That's the whole point of DSCR loans — and if you're a real estate
investor whose last lender told you "no" because of your tax
returns, you were talking to the wrong lender.

DSCR loans qualify based on the PROPERTY'S income, not yours. If
the rental cash flows, you qualify.

Here's the DSCR ratio math:
📊 Monthly Rent ÷ Full Payment (P+I+Taxes+Insurance+HOA) = DSCR

Example: $2,500 rent ÷ $2,000 payment = 1.25 ratio. Property earns
25% more than it costs. Strong.

The pricing tier that most investors don't know:
✅ 1.0 ratio = standard pricing
✅ 1.15+ ratio = BEST pricing
✅ No ratio required = available but costs ~0.75% more

The rate reality that surprises most investors:
🎯 At 65% LTV with 740+ FICO and a 2-year prepay, DSCR is
essentially EVEN with conventional. Not the horror story most
people expect.

The scaling advantage most brokers can't offer:
🏢 Conventional caps at 4 units. DSCR scales to 8. That opens up
small multifamily investing that would otherwise require commercial
financing (with balloon payments and complex documentation).

Real client story: Realtor whose last two years of net income
wouldn't qualify conventional. Had 20% down + long-term horizon.
Went DSCR. Rate close to conventional. Deal closed. Rental
performing.

Full 5-minute breakdown on my channel —

If you're a real estate investor and your last lender told you "no"...

09/03/2026

☕️ THURSDAY MORNING MARKET UPDATE
Green day — dip buyers stepping in ahead of NFP.

📊 THIS MORNING:
MBS up 23 bps, 10-year down ~3¾ ticks
🤔 DEFYING THE DATA:
ISM Services: Above expectations (should hurt MBS)
Jobless Claims: Matched expectations (neutral), Yet... MBS is UP

📈 THE THEORY: DIP BUYERS
After the 80 bps decline the last few days, bond investors likely "buying the dip" — implying a possible technical floor.
📅 TOMORROW: AUGUST NFP ⭐
Consensus: +56K jobs, Expect volatility on any big beat or miss
Watch prior month revisions too!

Watch the video for the full details 👇

09/02/2026

☕️ WEDNESDAY MORNING MARKET UPDATE
Small green attempt — hoping to stop the bleeding.

📊 THIS MORNING:
MBS up 7 bps (after -34 bps yesterday!), 10-year down ⅓ tick
📉 THE 4-DAY DAMAGE:
MBS down roughly 80 bps over last 4 sessions, Rates at ~15-month highs
Yesterday: 10-year rose 5½ ticks to nearly 4.80%

📊 DATA — HELPING:
ADP Jobs came in slightly below expectations. Small positive for MBS.
🛢️ OIL:
Down slightly today — after ripping 5% to $90/barrel (3-month high).
🙏 HOPING:
Hang onto the green and stop the 4-day bleed!

Watch the video for the full details 👇

08/31/2026

☕️ MONDAY MORNING MARKET UPDATE
Rough start — 34-month yield high, 14-month rate highs.

📊 THIS MORNING:
MBS down 14, bps10-year up 4 ticks could close at highest level in 34 months

😬 RATES:
Opening the week near 14-month highs.

🛢️ OIL DRIVING WEAKNESS:
Up nearly 3% amid tit-for-tat strikes between U.S. and Iran.

📅 BUSY WEEK AHEAD:
Tue: ISM Manufacturing + JOLTS Job Openings
Wed: ADP
Thu: ISM Services
Fri: ⭐ August NFP (Jobs Report)

Loaded 4 days of data.

Watch the video for the full details 👇

08/28/2026

☕️ FRIDAY MORNING MARKET UPDATE
Warsh hawkish — MBS down, pattern continues.

📊 THIS MORNING:
MBS down 16 bps, 10-year up ~2½ ticks
🏛️ WARSH AT JACKSON HOLE:
Comments focused on inflation. Market interpreted as hawkish — "higher for longer" tone rather than an immediate hike signal.
Most of today's damage came after his remarks.

🔄 THE PATTERN CONTINUES:
This makes 5 peaks & valleys in MBS over the last 3½–4 weeks, each of similar magnitude between the highs and lows.

🛢️ OIL:
Down slightly — not hurting us today. Warsh doing all the damage.

Watch the video for the full details 👇

08/27/2026

"You don't qualify."
Three words that end most mortgage conversations too early. Here's the thing — that usually means "we can't help you.

" Not "no one can help you."
For self-employed borrowers, real estate investors, and high-net-worth folks whose income story is more complex than a W-2 — there's a whole category of loans most retail lenders can't offer
It's called Non-QM. And it's NOT sub-prime.

Full 6-min breakdown (including 4 product categories + a real client save story) 👉 https://lnkd.in/gbYHknZr

If you're advising self-employed buyers who've been turned away, this one's worth sharing.

This link will take you to a page that’s not on LinkedIn

08/27/2026

☕️ THURSDAY MORNING MARKET UPDATE

Mild red — quiet day setting up for Warsh tomorrow.

📊 THIS MORNING:
MBS down 8 bps10-year up 1 tick

DATA:
Weekly Jobless Claims under expectations (not helping MBS)
7-year note auction testing Treasury appetite today

🛢️ OIL:
Up nominally. Rest of the day's movement depends on oil + any U.S./Iran headlines.

📅 TOMORROW: WARSH AT JACKSON HOLE 🏛️
Fed Chair speaks as the Jackson Hole Symposium (Global Economic Leaders Summit) concludes.

Watch the video for the full details 👇