What financing options suit real estate investors in a higher-rate market?

In a higher-rate market, fixed-rate mortgages are preferred for long-term real estate investments because they offer predictable monthly payments and protect against rising interest rates. Adjustable-rate mortgages can be considered only if the investor plans a near-term refinance or exit within a few years, mitigating payment risk. Smart investors lock in fixed financing to stabilize debt costs and enhance cash flow reliability over the five-year housing forecast horizon.