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👁🗨 Sesemi STR Hot Sheet | 📲 STR Mortgages
Dear Sesemi STReet,
Happy Holidays and we are grateful for each of you! We are working - and delivering a special edition complete with an important mortgage rate update and eight non-coastal STR highlights!
Plus - if you have some extra time for real estate reading this extended weekend check out my most recent articles as a Bigger Pockets featured author!
👀 Looser Lending – What Fannie & Freddie's bold move means for investors.
🏠 A Tale of Two Markets – What the split in the housing market means for investors next year.
💥 Depreciation "Loophole" – How new real estate tax "loopholes" could drive major growth in 2026-2027.
📲 Skip the articles and shop directly at our exclusive STR HOT SHEET. Updated daily and featuring 100+ active and off market vacation rental properties for sale. Search 24/7/365 at www.sesemisheet.com
📉 MORTGAGE RATES DROP
Mortgage rates fell sharply Tuesday, bringing the average rate back near the 2025 lows from late October—levels investors have not seen since late 2022. The drop was steep, even more than the bond market alone would suggest. Most of the improvement stems from a few data points; namely another soft ADP employment report and market reaction to rumors that Kevin Hassett, viewed as rate-friendly, may become the next Fed Chair.
The ten year treasury touched below 4% as yields fell after New York Fed President John Williams signaled the Fed may cut rates at its final 2025 meeting next month. Fed funds futures traders increased their bets following Williams’ remarks for a December cut to a 70% likelihood.
In other major mortgage news: FHFA raised the 2026 conforming loan limit to $832,750—up $26,250 from 2025. High-cost areas now reach $1,249,125 (150% of the baseline). The increase reflects slower but still positive home-price appreciation.
Most lenders will begin accepting loan applications with the increased loan limits beginning immediately or in the coming week.
According to Zillow today’s rates equaled the lowest of 2025 with the average 30-year rate at 6.06%.
Our fearless forecast? Is for the FED’s independence to soften sharply in 2026 and for rates to gradually reach levels that will drive a stampede of investment through the end of the current administration.
🟠 Need a mortgage? Visit LOAN FACTORY and NMLS Mortgage Broker Mr. Joseph Chiofalo my trustworthy go-to loan officer of 20+ years. His 50+ Five Star Reviews often speak for themselves.
📉To compare your current Pre-Qual, Loan Scenario, Refinance options or get Pre-Approved visit Joseph’s page directly or contact us for further details. Better rates, lower down payments, higher loan amount qualifications and efficient service have and continue to be difference makers for investors!
Featured Property:
15660 SW Rangland Dr Powell Butte OR | 4 / 4 3127SF
Impressive newer construction home with ADU - both units are STR eligible.
🚵🏼 7 Non-Coastal Oregon STRs For Sale:
65582 Timberline Dr E Rhododendron OR | 3 / 2 1300SF - Remodeled home near Mt Hood. Asking $599,000
17004 Milky Way Bend OR | 2 / 2 1164SF - STR eligible home minutes from Sunriver. Asking $610,000
1777 Turnstone Rd Redmond OR | 3 / 3 2522SF - Custom built hom ewith exceptional golf-course amenities. Asking $940,000
1820 E 28th St Eugen OR | 4 / 3 2020SF - One of a kind custom home optimal for STR usages. Asking $1.299M
30658 Yule St Government Camp OR | 7 / 7 3540SF - PRIME Mt. Hood location. STR eligible with some renovations. Asking $1.3M
16775 Pony Express Way Bend OR | 5 / 4 3016SF - Active STR on the Deschutes River. Asking $1.399M
30930 E Tyrolean Dr Government Camp OR | 4 / 5 3643SF - Stunning custom built home near Mt Hood. Asking $1.995M
BONUS: Off-Market Luxury Coastal STR - 2685 SW 54145 S Beach Rd Neskowin OR 3 / 3 2500SF - Luxury Ocean View Active STR with transferrable permit. Asking $1.6M *Ask for Projections
BONUS: IN HOUSE LISTING - 12 Unit Riverview Boutique Motel in Florence Oregon! Impeccably maintained, operated and consistently profitable -this impressive turnkey property is primed for continued success. Seller Financing Available. Asking $1.997M
👁🗨 Our exclusive STR HOT SHEET is updated daily and features 100+ active and off market vacation rental properties for sale. Search 24/7/365 at www.sesemisheet.com
🏄🏽♂️ Why use an STR-focused broker
We specialize in licensed, zoned STRs, 1031X timing, and turn-key luxury sales so investors save time and capital.
$25M+ in STR sales closed along the Oregon Coast & beyond; we underwrite revenue, compliance, and operations—not just comps.
Our HOT Sheet tracks 99% of eligible STRs so you move smart.
🪄 HOT Sheet: 9 of 10 of our STR sales are first found on our exclusive and invite-only cheat sheet: Request access and visit sesemisheet.com
Thank you for reading this week’s edition of Sesemi STReet your premier information source for vacation Rental and investment property insight throughout Oregon & California.
Anthony AJ Wong
Licensed Oregon Real Estate Broker | NMLS Mortgage Broker
Sesemi | STR Brokers powered by Fathom Realty Oregon + Loan Factory
📞 541-800-0455
🌐 My Website | 👖Bigger Pockets Feature Agent Profile | 🗓️Book 15 Minute STR Consultation
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👁🗨 STR HOT Sheet
License #201231202 | FL NMLS ID: 2297941
P.S. As a licensed NMLS mortgage broker with Loan Factory - utilize our industry leading pricing tool for mortgage options anywhere in the country. Our loan system is designed for busy professionals that demand transparency and efficiency.
