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    <description>Toor News covers investment, including Investment, Rentals and Finance, with clear reporting, context, and practical guides.</description>
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    <lastBuildDate>Tue, 08 Sep 2026 01:33:50 GMT</lastBuildDate>
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      <title>What Is a Good Cap Rate for a Rental Property? It Depends on Four Measurable Things</title>
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      <description><![CDATA[Cap rate is NOI over price, and whether a number is good depends on asset class, market tier, financing cost, and the Treasury spread. Here is the four-part check.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:57:54 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>What a 7 Percent Mortgage Does to Small-Landlord Math: A Worked Example</title>
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      <description><![CDATA[A $560 payment rise becomes an $860 break-even rent rise once costs scale. A worked example of small-landlord arithmetic at 4 versus 7 percent financing.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:57:53 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>Rental Vacancy Rose to 6.9 Percent as Completions Hit Decade Highs: Census Data</title>
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      <description><![CDATA[US rental vacancy hit 6.9 percent in Q3 2024 on decade-high completions, per Census data — concentrated in Sun Belt metros while the starts pipeline halves.]]></description>
      <pubDate>Mon, 24 Aug 2026 08:57:52 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>Gross Yield, Net Yield, and Cap Rate: How Rental Return Is Calculated</title>
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      <description><![CDATA[Three formulas answer three different questions about a rental property, and only one of them moves when mortgage rates do.]]></description>
      <pubDate>Sat, 22 Aug 2026 08:51:33 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>How HUD Calculates Fair Market Rent: The 40th Percentile Explained</title>
      <link>https://toornews.com/rentals/how-hud-calculates-fair-market-rent-the-40th-percentile-explained/</link>
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      <description><![CDATA[A walk through the data, formulas, and annual adjustments behind the number that sets housing voucher payment standards nationwide.]]></description>
      <pubDate>Thu, 20 Aug 2026 08:51:32 GMT</pubDate>
      <dc:creator>Rosa Marchetti</dc:creator>
      <category>Rentals</category>
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      <title>How a 1031 Exchange Lets Landlords Defer Capital Gains Tax</title>
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      <description><![CDATA[The mechanics behind Section 1031: what property qualifies, the 45-day and 180-day clocks, and why a small landlord cannot act as their own intermediary.]]></description>
      <pubDate>Tue, 18 Aug 2026 08:51:31 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>The 45-Day and 180-Day Rules That Govern a 1031 Exchange</title>
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      <description><![CDATA[A century-old tax provision lets real estate investors defer capital gains by swapping one investment property for another. Two federal deadlines decide whether the deferral holds.]]></description>
      <pubDate>Sun, 16 Aug 2026 08:51:30 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Investment</category>
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      <title>Why the 30-Year Mortgage Rate Sits Two Points Above the 10-Year Treasury</title>
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      <description><![CDATA[The gap was 200 basis points on the most recent published figures. A Boston Fed paper attributes most of it to the borrower's free right to refinance.]]></description>
      <pubDate>Fri, 14 Aug 2026 08:51:29 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>What a 6.65 Percent Mortgage Rate Does to Small-Landlord Math</title>
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      <description><![CDATA[Freddie Mac's benchmark rate and Census vacancy data show how financing costs and rental supply are squeezing rental-property arithmetic from both sides in 2026.]]></description>
      <pubDate>Wed, 12 Aug 2026 08:51:28 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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    <item>
      <title>New Federal Law Curbs Big Investors As Rental Vacancy Holds At 7.3%</title>
      <link>https://toornews.com/analysis/new-federal-law-curbs-big-investors-as-rental-vacancy-holds-at-7/</link>
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      <description><![CDATA[A fresh cap on large-scale investor buying arrives just as vacancy and financing data show a rental market in a holding pattern, not a breakout, for small landlords.]]></description>
      <pubDate>Mon, 10 Aug 2026 08:51:27 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
      <category>Analysis</category>
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      <title>HUD Tests Landlord Incentives as Voucher Funding Grows for 2026</title>
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      <description><![CDATA[HUD is testing landlord incentives for voucher participation as FY2026 appropriations raise Section 8 funding. What small landlords should ask agencies.]]></description>
      <pubDate>Wed, 05 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Rosa Marchetti</dc:creator>
      <category>Property News</category>
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      <title>Mortgage Rates Held in the Mid-6 Percent Range Into Early July</title>
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      <description><![CDATA[Freddie Mac's survey put the 30-year fixed at 6.43 percent before July 9, 2026 — about 40 basis points below June 2025. What it does to rental math.]]></description>
      <pubDate>Thu, 09 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>Massachusetts Rent Control Question Advances Toward the November Ballot</title>
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      <description><![CDATA[A Massachusetts rent control initiative capping increases at CPI or 5 percent needs second-round signatures by July 2026 to reach the November ballot.]]></description>
      <pubDate>Tue, 30 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>Housing Starts Rebounded to 1.502 Million in March as Permits Fell</title>
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      <description><![CDATA[March 2026 housing starts hit a 1.502 million annual rate while multifamily permits fell 23.5 percent, per the Census Bureau's April 29 release.]]></description>
      <pubDate>Thu, 25 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Rosa Marchetti</dc:creator>
      <category>Property News</category>
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      <title>Freddie Mac Bulletin 2026-1 Updates Selling Rules and Home Possible Terms</title>
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      <description><![CDATA[Freddie Mac Bulletin 2026-1 updated Home Possible selling rules, and the 2026 conforming loan limit rose to $832,750. What owner-occupant landlords check.]]></description>
      <pubDate>Sun, 21 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>FEMA Flood Map Revisions Reset Insurance Duties, Not the Premium Formula</title>
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      <description><![CDATA[FEMA flood map revisions reset which rentals need mandatory flood insurance, while Risk Rating 2.0 prices premiums on property-specific risk, not zone.]]></description>
      <pubDate>Tue, 16 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Rosa Marchetti</dc:creator>
      <category>Property News</category>
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      <title>Fannie Mae Updates Property Insurance Rules for One-to-Four-Unit Loans</title>
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      <description><![CDATA[Fannie Mae lender letter LL-2026-03 updated property insurance requirements for one-to-four-unit loans on March 18, 2026. What rental investors check.]]></description>
      <pubDate>Fri, 12 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>David Jordan</dc:creator>
      <category>Property News</category>
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      <title>Cap Rate Spreads Over Treasuries: Reading Compression Across 2026 Markets</title>
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      <description><![CDATA[How the cap rate spread over the 10-year Treasury prices rental real estate risk, and what compression and expansion mean for buyers in 2026.]]></description>
      <pubDate>Tue, 09 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
      <category>Analysis</category>
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      <title>HUD Revises FY2026 Fair Market Rents for Seven Areas Effective May 21</title>
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      <description><![CDATA[HUD's revised FY2026 fair market rents took effect May 21, 2026 for seven areas, resetting Housing Choice Voucher payment standards for landlords.]]></description>
      <pubDate>Sun, 07 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Rosa Marchetti</dc:creator>
      <category>Property News</category>
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      <title>Sun Belt Versus Midwest Rental Yields: A Price-to-Rent Comparison</title>
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      <description><![CDATA[Midwest price-to-rent ratios buy cash flow; Sun Belt markets priced growth. How regional rental yields, supply, and leverage actually compare.]]></description>
      <pubDate>Wed, 03 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Analysis</category>
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