Interest Rates — FRED Annual Average
10yr Treasury (DGS10)
30yr Mortgage (MORTGAGE30US)
Median DSCR — Computed at Annual Rate
DSCR ≥ 1.0 (self-funding)
DSCR < 1.0 (below breakeven)
— 1.20 lender minimum
⚠ Fixture data — rates are approximate annual averages; replace with Y-RATE.series (FRED fredgraph CSV, no key).
DSCR computed from assumptions above at each year's MORTGAGE30US + spread. Median home value and rent held constant —
real series will vary both. Source: FRED DGS10 + MORTGAGE30US (illustrative fixture). Not for publication.