The Real Estate Show

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New Construction = Bigger Profits? Midweek Market Report Unpacks the Investor Trend

The Real Estate Show – Wednesday Midweek Mortgage & Market Report

By Eric Willner, Investor, Coach, and Host of The Real Estate Show, America’s longest running daily radio show about real estate.

Welcome to The Real Estate Show – South Florida’s #1 Real Estate Radio Show and America’s longest-running daily radio show about real estate.

My name is Eric Willner, known far and wide as The Voice of Real Estate. I’m also the creator of The Automatic Landlord System for owning cash-flowing real estate “profitably and hassle-free.”

This show is a virtual real estate seminar in every single episode.

And today, you’re tuned into the Wednesday Midweek Mortgage & Market Report Edition of The Real Estate Show. This is where we pause midweek, look at the headlines, examine the data, and translate the numbers into strategies that help you build wealth, secure cash flow, and make better real estate decisions.

This week’s theme?
New Homes, Bigger Returns: Why Investors Are Flocking to New Construction Now.

Engagement Hook – “Did You Know?”

Let me open today with three Did You Know? questions — real numbers, real market trends:

1. Did you know that today’s 30-year fixed mortgage rate averages 6.33%, the lowest in almost a year, despite all the volatility in the economy?
2. Did you know that new construction homes now account for nearly 1 in 3 homes available for sale in the U.S. — the highest share we’ve seen in decades?
3. Did you know that builders are offering buyers thousands of dollars in incentives — from mortgage rate buy-downs to closing cost credits — making many new homes cheaper to buy than older resale homes?

These aren’t just statistics. These are signals, flashing like neon lights, telling us that now is the window for serious buyers and investors. Text Construction to 561-861-2366

Everyone Is Already “In” Real Estate

Here’s something I always remind my listeners: everyone is in real estate.

• You’re either IN real estate because you own it. You searched, negotiated, and closed on it. You benefit from ownership, tax write-offs, appreciation, and equity.
• Or, you’re ON real estate because you rent it. Maybe you cut the check to your landlord, or maybe your boss pays rent for your workplace. Either way, you’re paying someone who is already IN real estate.

The only real question is: Do you want to stay ON real estate — or do you want to get IN?

Market Update: Rates, Trends & What They Mean

Now let’s dive into this week’s numbers, courtesy of Bankrate’s October 1, 2025 survey:

• 30-year fixed rate: 6.33%
• 15-year fixed rate: 5.64%
• 10-year fixed rate: 5.58%
• 30-year refinance rate: 6.59%

Here’s what’s important:

• After the Federal Reserve cut its benchmark rate, mortgage rates actually ticked UP slightly. Why? Because mortgage rates are tied more closely to the 10-year Treasury yield, not the Fed funds rate.
• Even so, today’s 6.33% average for a 30-year fixed is down from the highs earlier this year and represents meaningful monthly savings for buyers.
• For a $340,000 loan, shopping wisely could save you $2,000 a year. That’s cash you can reinvest, save, or apply toward another property.

Rates change constantly, so you need to be proactive, get prequalified, and compare offers. Don’t wait for the “perfect” rate — because when you do, someone else will already own the property you wanted.

Why New Construction = Bigger Returns

Let’s connect this back to our theme: Why NOW is the right time to invest in new construction.

Here are five big reasons:

1. Lower Maintenance = Higher Cash Flow
   New homes mean no roof replacements, no plumbing disasters, and minimal upkeep for years. Lower expenses mean higher net income.
2. Builder Incentives Sweeten the Deal
   Builders are motivated. They’re offering mortgage buy-downs, closing cost credits, and upgrades — giving you built-in equity.
3. Premium Rents for Premium Homes
   Tenants will pay more for brand-new kitchens, energy-efficient systems, and smart-home features.
4. Appreciation in Growth Markets
   Builders are targeting expanding corridors, suburbs, and boomtowns. Buy early, ride the wave.
5. Tax Advantages
   Depreciation, energy credits, and interest deductions all stack the deck in your favor.

Mid-Show Commercial Break

 Today’s Show — and better credit — is brought to you by: www.TimeToFixMyCredit.com

Text the word CREDIT to 561-861-2366. If credit is holding you back, we can help you fix it, lower your borrowing costs, and unlock your path to ownership.

The Roadblocks — and How to Overcome Them

Why doesn’t everyone jump in? Four big reasons:

1. Taxes – People fear Uncle Sam will eat their gains. Solution: real estate tax benefits (depreciation, deductions, 1031 exchanges).
2. Interest Costs – Financing feels expensive. Solution: builder incentives + smart refinancing strategies.
3. Lifestyle Bills – Spending drains wealth. Solution: convert liabilities into assets.
4. Inflation – The silent thief. Solution: real estate rents and values rise with inflation.

Key Market Headlines This Week

1. Mortgage refinance demand plunges 21% as rates tick higher.
   • 30-year fixed rose slightly to 6.46%.
   • Refinance applications dropped 21%.
   • Purchase applications fell just 1%, still 16% above last year.
   • Why it matters: Buyers are still strong. New construction demand is resilient.
2. Rent Payments Now Boosting Credit for More Americans.
   • 13% of renters now have their payments reported to bureaus, up from 11% last year.
   • Rent reporting can boost credit scores by 60 points on average.
   • Why it matters: Better credit = more buyers entering the market. More buyers = higher property values.

Second Call-to-Action

 Today’s Show — and better credit — is brought to you by: www.TimeToFixMyCredit.com

Text the word EDGE to 561-861-2366 to join our Financial Edge community. We’ll help you save, make, and multiply your money.

Workshops & Community

• Tuesday 8PM – Path to Home Ownership (Text PATH)
• Wednesday 8:30PM – Financial Edge Academy Overview (Text EDGE)
• Saturday – Business Reading Club

We’re creating a community of financially literate, real estate-savvy investors.

Closing: The Big Takeaway

As we wrap up today’s Midweek Mortgage & Market Report, remember this:

• Mortgage rates are easing.
• Builders are motivated.
• New construction offers lower maintenance, stronger rents, appreciation, and powerful tax advantages.

If you’ve been sitting on the sidelines, waiting could be costing you money.

Real estate is the IDEAL investment: Income, Depreciation, Equity, Appreciation, Leverage.

Don’t just listen — take action.

Tomorrow, join me for the ATM – About The Money Edition, where we’ll drill deeper into financing strategies to build wealth faster.

Until then, visit  www.AutomaticLandlord.com for past episodes and transcripts, or watch us on Facebook.com/TheRealEstateShow.

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