My Commercial Funding Weekly Housing Report

Headline: Labor collapses Friday. Rate window open. Lock before the reset.

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Data Summary

• Tue 9/29: Case-Shiller 2.5% > 2.2% (prices hold). JOLTS 7.079M < 7.23M (softening). CB Conf 81.9 < 89.2 (fear rising).
• Wed 9/30: ADP 90K > 70K | GDP 2.2% > 1.5% | PCE y/y 3% < 3.3% (inflation cooling) | Chicago PMI 58.8 > 51.2.
• Fri 10/2: NFP 29K vs 90K (crash). Unemployment 4.2% > 4.1%. Rate-cut path is real.

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Chart: Economic Calendar (Actual vs Forecast)

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Chart: Divergence — Mid-Week Strength vs Friday Collapse

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CTAs (MCF Funding Only)

• DSCR / Investor Line: Rate-cut path open — PCE y/y 3% cooling, NFP 29K crash, GDP 2.2%. Submit DSCR or investor-line applications now before Q4 tightening.
• Refi / Construction Finance: Construction spending 0.9% > 0%, PMI 58.8. Lock lower-cost capital before spreads widen post-cut.
• Working Capital / MCA: Unemployment 4.2% + consumer confidence 81.9 = borrowers will need liquidity. Position same-day funding offers for Oct-Nov cycle.

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Next report: Wednesday, Oct 28, 2026.