McCallum’s Musings on the Market – 11/17/2025

McCallum’s Musings on the Market!

• Every Treasury Index (3 months to 30 years) has risen since the Fed’s October rate cut.
• Average interest rates are now 6.24%, up from 4.76% on maturing debt originated from 5 years ago.
• Inflation continues to impact property investments & business’ profitability.

Bridge loans start at 8.5%. Closing deals by year end 2025 is a balancing act. Closing CRE loans is a long, arduous journey – We are here to help investors navigate economic volatility, tenant volatility, and lender reluctance to secure the best deal and “Ramble On”!

McCallum’s Music Pick: Ramble On by Led Zeppelin

Case Study

• 25 year fully amortized loan
• 6.24%, 5 year fixed interest rate
• ± 14,800 SF
• Industrial property
• $670,000
• NO prepayment penalty
• NO appraisal required

John McCallum, Borrower’s Advocate, arranged permanent financing for an owner-user seeking to reduce their commercial property’s interest rate. A property evaluation report was used in lieu of a formal appraisal given the anticipated low leverage refinance transaction. The 6.24% interest rate was locked for the initial 5 years of the 25 year fully amortized loan. 

Turton Commercial continues to provide best in class financing structures.

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