02/04/2026
Most people call it a ârate problem.â
In 2026, a lot of the pressure shows up somewhere else: insurance and taxes.
Even if your interest rate stays fixed, your payment can move when:
insurance premiums change (or deductibles get stricter)
taxes reset after rehab or reassessment
escrow reconciles and you get a shortage
Thatâs where deals quietly break because the underwriting was tight, not because the rate was âtoo high.â
Hereâs the simple discipline we use:
quote insurance early
verify taxes based on post-rehab value
confirm flood/wind zones
understand deductibles
keep a clear reserve policy
If you want the 5-point checklist in a one-pager, message me âESCROW.â
â Follow Next Fit for clear US real estate guidance built around structure and predictability.
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