Get in the Cashflow Game with K&K | A Podcast for Real Estate Investors, Lenders & Entrepreneurs

2026 Midterm Elections: What Happens to Mortgage Rates Now?The 2026 midterms are over, and Washington is facing a major political shift. But what does that mean for mortgage rates, housing affordability, and the real estate market?In this episode of The Brief, Kenny Simpson breaks down how the election results could influence interest rates, economic growth, and the housing market.From political gridlock and AI spending to inflation, Treasury yields, and potential changes in housing policy, Kenny explores the factors that could shape the months ahead.Could mortgage rates finally start coming down? And what would that mean for buyers, homeowners looking to refi, and real estate investors?Tune in for Kenny's perspective on what's happening, what he's watching, and what could come next.🌐 www.simpson-team.com📲 Instagram: @kennybsimpson#mortgagerates #housingmarket #midterms2026 #realestate

Could artificial intelligence be one of the reasons mortgage rates are staying high? And what happens to interest rates if the AI boom starts slowing down?Most people watch inflation, the Federal Reserve, employment reports, and the economy to understand where mortgage rates are headed.But there's another factor worth watching: AI investment.In this week's episode of The Brief, Kenny Simpson breaks down how massive spending on artificial intelligence, data centers, and technology infrastructure could be influencing capital markets, Treasury yields, and ultimately mortgage rates.And there's a second side to the story.If AI companies struggle to raise capital, face new regulations, or experience a slowdown, investors could shift money toward bonds and Treasuries, potentially putting downward pressure on interest rates.In this episode, we cover:How AI investment could affect mortgage ratesWhy tech companies are raising billions for AI infrastructureThe relationship between investor demand, bonds, and Treasury yieldsWhy AI-related borrowing could put upward pressure on ratesWhat could happen if AI investment slowsHow AI regulation could influence financial marketsThe potential impact of AI on employment and economic growthWhy an AI market correction could affect mortgage ratesWhat the Federal Reserve may watch as the economy changesWhy mortgage rates could move in either directionCould an AI slowdown actually help mortgage rates?Kenny explores several scenarios in which investors may become more cautious about AI investments and move capital toward safer assets, potentially lowering Treasury yields.But the opposite is also possible.If AI investment continues expanding rapidly, strong demand for financing could contribute to continued pressure on borrowing costs.AI is not the only factor driving mortgage rates. Inflation, employment, economic growth, Federal Reserve policy, and global events still matter.The key is understanding how these forces interact and what they could mean for homebuyers, homeowners, and real estate investors.Kenny Simpson is a mortgage advisor specializing in 1–4 unit residential financing, with over 20 years of experience, more than 5,000 clients helped, and billions of dollars in loans funded.Through The Brief, Kenny shares insights on mortgage rates, real estate investing, financing strategies, and the housing market.🌐 Website: www.simpson-team.com📲 Instagram: @kennybsimpson🎧 Spotify: Get In The Cashflow GameThinking about buying, doing a refi, or investing in real estate? Reach out to Kenny Simpson and The Simpson Team to explore your financing options.📩 Want The Brief delivered straight to your inbox? Subscribe to our newsletter for weekly mortgage, real estate, and market insights.🔔 Subscribe to our YouTube channel for more episodes of The Brief.#mortgagerates #artificialintelligence #housingmarket #realestate #ai

Mortgage rates are elevated, affordability remains a challenge, and more sellers are reducing their asking prices. But what does that mean for buyers and real estate investors looking for a deal?In this week's episode of The Brief, Kenny Simpson breaks down the latest housing market trends, mortgage rate pressures, and the specific strategies buyers can use to find opportunities in today's real estate market.In this episode, we cover:Why higher mortgage rates are putting pressure on the housing marketWhat the 10-year Treasury means for mortgage ratesWhy the spread between Treasury yields and mortgage rates mattersHousing inventory and new listing trendsWhy mortgage purchase applications are slowingWhat rising home price reductions mean for buyersHow to identify motivated sellersWhy homes sitting for 60, 90, or 120 days may present opportunitiesWhat multiple price cuts and failed escrows can tell youHow to negotiate purchase prices and seller concessionsWhy pre-approval and the ability to close quickly can make a differenceWhat could change the direction of mortgage ratesWhere are the opportunities?Kenny explains why some buyers are focusing on properties that have been sitting on the market, experienced multiple price reductions, or fallen out of escrow.For a motivated seller, a qualified buyer who can close quickly may be especially attractive.But the key isn't simply making a low offer. It's understanding the property, your financing, and what you can realistically afford.Should you wait for mortgage rates to fall?There's no guarantee when rates will come down. And if they do, increased buyer competition could change the negotiating environment.That's why Kenny encourages buyers to understand their numbers, get financially prepared, and keep watching for opportunities that make sense.Kenny Simpson is a mortgage advisor specializing in 1–4 unit residential financing, with over 20 years of experience, more than 5,000 clients helped, and billions of dollars in loans funded.Through The Brief, Kenny shares practical insights on mortgage rates, real estate investing, financing strategies, and the housing market.About Kenny Simpson

Mortgage rates are rising, buyers are waiting, and sellers are feeling the pressure. But could this actually be one of the biggest opportunities in today's real estate market?In this week's episode of The Brief, Kenny Simpson breaks down what's happening in the housing market, why higher interest rates are creating challenges, and where prepared homebuyers and real estate investors may be finding opportunities.While many people are waiting for mortgage rates to fall, some buyers are taking a different approach: negotiating lower purchase prices, asking for seller concessions, and looking for properties that have been sitting on the market.In this episode, we cover:Why mortgage rates have risen and what could bring them back downHow higher interest rates affect homebuyers and sellersWhy some sellers are reducing their asking pricesWhere buyers may have more negotiating powerHow to approach low offers and seller concessionsWhy being pre-approved and ready to close mattersWhat could happen if mortgage rates start fallingWhy waiting for lower rates could mean more competitionThe challenges facing real estate investorsKenny's personal experience with major real estate lossesHow to recognize opportunities without ignoring the risksThe biggest takeaway?Not every property is a deal, and not every buyer should rush into the market. But if you're financially prepared and understand your local market, higher rates may create negotiating opportunities that weren't available when competition was stronger.Kenny also shares a more personal side of real estate investing, discussing losses he's experienced and why knowing when to walk away can be just as important as knowing when to buy.Whether you're a first-time homebuyer, experienced investor, or seller navigating a difficult market, this episode offers a perspective on today's real estate conditions.Thinking about buying, refinancing, or investing?Reach out to Kenny Simpson and The Simpson Team to discuss your financing options.Kenny Simpson is a mortgage advisor specializing in 1–4 unit residential financing. With over 20 years of experience and more than 5,000 clients helped, Kenny shares insights on mortgage rates, real estate investing, housing trends, and financing strategies.🌐 Website: www.simpson-team.com📲 Instagram: @kennybsimpson

Mortgage-holder equity hit a record $18 trillion in Q2 2026, with $11.7trillion of it tappable. Homeowners pulled $205 billion last year — $116billion through second liens alone, the largest second-lien volume since 2007.So why is anyone taking 8 or 9% money in a high-rate environment?Because the rate on the page is the least interesting number in theconversation. It's all relative.⏱ CHAPTERS0:00 - Nobody taking cash out is thinking about the rate0:00 - $18 trillion in equity and why it's being tapped now0:00 - "Why would I touch my 3% first?" (you wouldn't)0:00 - When it DOES make sense to redo the first0:00 - Every cash-out option: first, second, third0:00 - Fourplex scenario: $500K second at 8.5% vs. combined DSCR0:00 - HELOC vs. HELOAN — know which one you're getting0:00 - Who's actually pulling cash right now, and why0:00 - Commercial HELOCs0:00 - 8-9% money and return on the other side0:00 - Why sellers are selling (death, divorce, 1031, job moves)0:00 - Rates, the 10-year, and being careful who you listen to📋 IN THIS EPISODE- Cash-out first, cash-out second, and yes, third liens- HELOC (revolving, interest-only) vs. HELOAN (lump sum, P&I)- When combining first and second into one DSCR loan beats a standalone second- Non-QM paths: bank statement, P&L, asset depletion, DSCR- ADU builds, portfolio expansion, debt consolidation, business capital- Why the underwater number matters too — about 813,000 borrowers, up 44% year over yearSources: ICE Mortgage Monitor, August 2026 and March 2026🏠 ABOUT THE BRIEFA weekly longform breakdown for California property owners and self-employedborrowers. New episode every week.Kenny Simpson | The Simpson Team | C2 Financial Corporation20+ years, 5,000+ clients, billions funded. 1-4 unit financing — bankstatement, DSCR, jumbo and ADU across CA, AZ, OR, FL and TN.📞 Run your scenario: [CALENDLY LINK]🏢 Commercial and 5+ units — Krystle at Pacific Shore Capital: [LINK]🌐 [SITE]/the-brief/DISCLAIMER: General information only. Not a commitment to lend, notinvestment, tax or financial advice. Rates, terms and qualification aresubject to underwriting approval and market conditions. Any discussion ofrate movement is opinion, not a forecast or guarantee.Kenny Simpson | C2 Financial Corporation | NMLS #310335Equal Housing Opportunity.#CashOutRefinance #HELOC #DSCR #RealEstateInvesting