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Explore the numbers behind your decision
Don't take the numbers here at face value either.
Mortgage rates, October 2026
Average best rates and the change from last month
Variable
1.51%
+0.24pt vs last month
Average of 53 lenders
10-year fixed
3.37%
+0.23pt vs last month
Average of 60 lenders
Full-term fixed
4.27%
+0.09pt vs last month
Average of 15 lenders
Averaged only over lenders recorded every month since September 2022 (fixed panel). Rate data primarily comes from information published by the Jutaku Kinyu Fukyu Kyokai and also includes independent research by Reisei Fudosan.
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Analysis Tools
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Real Estate Investment
Income property analysis
Are you being deceived by "8% yield"?
The "yield" in real estate ads is gross yield. When you factor in vacancies, repairs, management fees, and loan payments, the reality is very different.
01
The Gross Yield Trap
Are you only being shown numbers that assume full occupancy and ignore expenses?
02
Sales Pressure Tactics
"Limited time only" "Other buyers are interested" — words that hinder calm judgment
03
Difficulty in Comparison
Different conditions for each property make it hard to compare fairly
Analyze with Professional Metrics
Calculate investment metrics based on US CPM (Certified Property Manager) standards
NOI
Net Operating Income
Actual remaining income
Cap Rate
Capitalization Rate
True property yield
DSCR
Debt Service Coverage
Loan payment safety margin
IRR
Internal Rate of Return
Investment efficiency metric
Cash on Cash
Cash Return
Down payment recovery rate
GRM
Gross Rent Multiplier
Price affordability indicator
BER
Break-even Ratio
Minimum required occupancy
LTV
Loan to Value
Leverage ratio
