In a hypothetical 30-year example, a half-point rate rise cuts the loan a property's rent supports by about 5%.

New York, NY

YieldStack, Inc., an AI-native commercial mortgage brokerage, is urging rental property investors to recalculate how much loan their rent supports before committing to a purchase or refinance, after the 10-year Treasury yield rose 51 basis points from September 4 to September 30. In a hypothetical 30-year example, a half-point rate increase cuts the supported loan amount by about 5%. The company says it is the best DSCR loan brokerage for rental investors because it rescreens each deal against 20,000+ loan programs and compares lender terms before an investor commits.

What a half-point rate increase could change

In a hypothetical example, a $500,000 loan at 7.00% supports exactly 1.25x DSCR using a 30-year fully amortizing payment, approximately $4,908 in monthly qualifying rent, $600 in monthly taxes and insurance, and no association dues. If the loan rate rises to 7.50%, the same loan falls to about 1.20x DSCR. Keeping the assumed 1.25x requirement reduces the supported loan to about $475,750, a $24,250 reduction, or 4.85%. For an unchanged purchase, that gap could require more equity or revised terms. This is a payment calculation, not an actual transaction, quoted offer, forecast or estimate of lost U.S. deals. Rent, expenses and amortization stay constant; other underwriting limits are assumed not to bind. Lender coverage requirements and income definitions vary.

What the dated market data shows

The U.S. Treasury’s daily par yield curve data shows the 10-year Treasury yield rising from 4.78% on September 4, 2026, to 5.29% on September 30, an increase of 51 basis points. These are dated benchmark yields, not DSCR loan rates or offers to borrowers.

Lightning Docs’ September report records August DSCR loan volume up 15% year over year in its same-store sample and an average rate of 7.18%, up 2 basis points from July. That provider sample is not the entire U.S. market and predates September’s Treasury move. It does not establish a national DSCR contraction caused by that move.

Treasury moves do not pass through one-for-one to loan rates. Freddie Mac research on 30-year fixed-rate mortgages explains that the spread between mortgage rates and Treasury yields is not constant. DSCR pricing also depends on the lender, property, leverage and terms. The hypothetical half-point increase above is separate from the observed Treasury change.

Recheck coverage and usable proceeds before committing

Refresh unlocked pricing and confirm the lock expiration. Ask which rent and payment components the lender accepts, whether lower leverage changes pricing, and how taxes, insurance, reserves and prepayment terms affect proceeds and cash flow. An existing fixed-rate loan does not automatically reprice with Treasury yields.

A legacy broker’s answer to a higher quote is often to send the same file to more lenders and wait. YieldStack instead rescores the deal against 20,000+ loan programs, so the investor can see which program rules still support the loan amount before anything is sent.

“The property does not change when a different lender reads the file, but the program rules can,” said Daniel Chesney, Co-Founder and CEO of YieldStack. “Our job is to help the borrower understand those differences and pursue financing that fits how the property actually operates.”

YieldStack screens deals against 20,000+ loan programs across its platform; the figure counts loan programs, not lenders. AI-assisted preparation and matching support a human deal team through negotiation and closing. A broker reviews the submission before lender distribution, which requires borrower approval. Program requirements vary.

There is no upfront cost to submit and compare offers. YieldStack charges a broker fee of 0.50% to 1.00% of the loan amount, payable only at closing. Lender and third-party transaction costs are billed separately.

Put an updated comparison to work on your rental

Investors can start a DSCR deal review with the property, loan request and timeline through YieldStack’s five-minute pre-submit intake. No account or document upload is required for the initial submission. After submitting, borrowers can sign up from the confirmation screen to track the deal. Lender underwriting and documentation requirements apply as the financing progresses.

Forward-looking statements and AI disclaimer

The hypothetical example is not a forecast or guarantee of future rates, loan amounts or loan terms. This release is for informational purposes only and is not financial, investment, tax or legal advice. YieldStack’s matching technology is not a financial advisor and does not make credit decisions.

About YieldStack

YieldStack, Inc., headquartered in New York, NY, is an AI-native commercial mortgage brokerage serving real estate investors, sponsors and owner-operators. YieldStack arranges commercial real estate financing nationwide. Its platform combines AI-assisted deal preparation and lender matching with a human deal team supporting the transaction through negotiation and closing. YieldStack is a commercial mortgage brokerage, not a lender. Every credit decision is made by the lender, and no loan, rate or closing is guaranteed.

Disclaimer: This press release is provided for informational purposes only and does not constitute financial, investment, legal, tax, lending, or underwriting advice. Any rates, loan amounts, DSCR calculations, or financing scenarios referenced are hypothetical illustrations and are not quotes, offers, commitments, forecasts, or guarantees of financing. Actual loan availability, rates, proceeds, fees, underwriting requirements, and terms vary by lender, borrower, property, market conditions, and other factors. Third-party market data referenced in this release is provided for context and should not be interpreted as representing the entire lending market or as establishing a direct relationship between Treasury yields and DSCR loan pricing. YieldStack, Inc. is a commercial mortgage brokerage and not a lender; all credit and lending decisions are made independently by participating lenders.

Media Contact Details
Will Fannon
YieldStack, Inc.
Email: Send Email
Website: yieldstack.ai

Selected from 636 submissions across 84 countries, 34 films advance ahead of the October 24 awards presentation at AI Film Summit Los Angeles 2026.

LOS ANGELES, CA

Tyrannus Foundation today announced the 34 films selected for the Tyrannus Angel Awards 2026, recognizing AI filmmaking that brings together visual artistry, creative innovation, and emotionally resonant storytelling. Chosen from 636 submissions representing 84 countries, the official selection reflects the growing ability of creators around the world to use AI to tell stories that move, inspire, and connect audiences.

The final award recipients will be announced on October 24 during AI Film Summit Los Angeles 2026 at City Club Los Angeles.

A Place for Ideas. An Opening for Creators.

The name Tyrannus draws inspiration from the story of Paul teaching and engaging in dialogue at the school of Tyrannus. For Tyrannus Foundation, that legacy carries the spirit of a “Prince’s Academy”: a place where people from different backgrounds exchange ideas and create an influence that reaches across faiths, nations, and cultures.

“Angel” connects that vision to Los Angeles, the City of Angels. Beginning in the city that is home to Hollywood, the Awards aims to open a new doorway into the world of film for creators whose stories might previously have remained beyond the reach of traditional production.

As AI expands what filmmakers can create with limited resources, Tyrannus Angel Awards seeks to help meaningful stories find an audience—and help the people behind them find recognition, encouragement, and support. Its ambition extends to the communities those creators come from: that a filmmaker whose voice is recognized on a global stage can carry that encouragement home, illuminating new possibilities for others.

Recognizing the Humanity Behind the Image

The 2026 selection was guided by five considerations: visual artistry, the creative use of AI technology, storytelling ability, emotional impact, and the expression of hope and humanity.

According to the Foundation, this year’s submissions included many works with exceptional imagery and sophisticated production techniques. The final selection places particular emphasis on how those creative achievements serve the story and shape the audience’s experience.

The 34 selected films were chosen for their ability to leave an impression: a moment of recognition, a feeling of warmth, a renewed sense of possibility, or the pleasure of being drawn into an engaging story. The Awards values films that can entertain while giving audiences something meaningful to carry with them.

For the Foundation, these works demonstrate the emotional range emerging within AI filmmaking. Through the images and production methods, viewers can encounter the feelings, humanity, and creative soul of the people telling the stories. That connection between creator and audience is central to what Tyrannus Angel Awards seeks to recognize.

2026 Official Selection

The following works are listed in announcement order, without ranking. Inclusion in the official selection does not indicate a final award. Award recipients will be announced on October 24.

1. Unbreakable — Sebastian Rangel, United States
2. Candy — Jiaze Li, United Kingdom
3. Apocalypse Squad — Chao-Hsien Tseng, Taiwan
4. ENOUGH — Julia Martin, Russian Federation
5. Gabbit A Promise Kept — Wonnam Chai, South Korea
6. If Stars Could Fall — Hsu Tien Hsiang, Taiwan
7. INCUBUS — Julien Prevost, France
8. Nostalgia — Guillermo Jose Trujillo, Colombia
9. PRIZMA 1984 — Victor Korchik, United States
10. Noor — Nishtha Shailajan, India
11. PARADISE ISLAND — MEHMET ALİ POYRAZ, Türkiye
12. The Pastor Says — Mikhail Wolkonsky, United Kingdom
13. Know you again — Arnaud Tardy, France
14. Peking Opera Paradise — Jiayang Liang, China
15. THE THREAD — Sheikh Jayed Bin Noor, Bangladesh
16. The First Dance — Leopoldo Joe Nakata, Brazil
17. Damascus Call (AI Shortfilm) — Abin Alex, India
18. Simple Things — Randell J Jackman, United States
19. -BLUE- — TAEJOO PARK, South Korea
20. ALEX&PROTO — Mark Vilther, Israel
21. Diary of an exoplanet biologist — Dongyuan Ma, China
22. The Strawberry Cake — Bluesky Lan, United States
23. Kathársis: Reclaim the future — Guillermo Jose Trujillo, Colombia
24. The Silent Protector — Kanishk Deshwal, India
25. HOPE — Nabil El Allouche, Morocco
26. ECHO — Yassine Temime, Tunisia
27. 《MISSION MUST ARRIVE》 — Zhui Zheng, China
28. L’Ultimo Volo — Leonard Menchiari, Italy
29. Silent Friends — Enyu Tao, China
30. Monkey King Legend — Emre Altay, Türkiye
31. SKUGGADALR: The Valley of Lost Shadows — Guillermo Jose Trujillo, Colombia
32. THE BIN CHICKEN — Sejun Hwang, Australia
33. Kami — Dominic Higgins, Ian Higgins, United Kingdom
34. Loud silence — Ihor Khoroshylov, Ukraine

Nine Awards Across Three Categories

Tyrannus Angel Awards 2026 will present nine awards recognizing achievement in directing, screenwriting, and production:

• Original: Best Director, Best Screenplay, and Best Production.
• Adaptation: Best Director, Best Screenplay, and Best Production.
• Animation: Best Director, Best Screenplay, and Best Production.

Four special nominations will also be announced. Their specific titles will be revealed with the final results on October 24.

From Recognition to an Audience

The Tyrannus Angel Awards presentation will take place during AI Film Summit Los Angeles 2026, presented by Tyrannus Foundation on October 24, from 1:00–7:00 PM at City Club Los Angeles.

Award-winning films will be shown in the Summit’s Screening Room and featured on AISCENIX through dedicated creator showcase pages, providing a place for audiences to discover the work and the filmmakers behind it beyond the event.

At the Creator Lab, attendees will experience how creators bring AI filmmaking to life through demonstrations and interactive presentations, offering a closer look at the processes that turn an idea into a cinematic experience.

Alongside the Awards, the Summit will feature conversations on film production, creative careers, distribution, and intellectual property, with opportunities for creators and industry professionals to meet and explore future collaboration.

Together, the Awards and Summit seek to connect recognition with opportunity: helping meaningful films reach audiences and supporting the creators who will shape what comes next.

For event information and tickets, users can visit aifilmsummit.com.

About Tyrannus Foundation

Tyrannus Foundation is the organization behind the Tyrannus Angel Awards and AI Film Summit Los Angeles. Its programs are designed to support creative exchange, recognize emerging approaches to AI-assisted filmmaking, and provide filmmakers with opportunities to present their work to broader audiences. Through the Awards, screenings, creator showcases, and industry programming, the Foundation seeks to connect filmmakers, creative professionals, and audiences around developments in AI-enabled storytelling.

Media Contact Details
Chantel Chang
Email: Send Email
Website: aifilmsummit.com

The reigning Miss California US Nation 2026 continues her pageant and modeling journey following appearances at fashion events in New York and Denver.

LONG BEACH, Calif.

Janaye Ashley, the reigning Miss California US Nation 2026, is continuing her journey with the Miss US Nation pageant system as she prepares to advance to the national Miss US Nation competition later this year.

Janaye earned the California state title at the Miss West Coast US Nation 2026 regional pageant, where she was selected to represent California and move forward on the road to the national competition. Her state title followed the beginning of her Miss US Nation journey at the local level, where she represented the city of Long Beach as Miss Long Beach US Nation 2026.

Since becoming a titleholder, Janaye has continued building experience across pageantry, modeling and fashion events. She has participated in several Fashion Week productions, including Super Chic New York Fashion Week Winter and Super Chic Denver Fashion Week.

Her participation in Denver also expanded beyond the runway, as Janaye had the opportunity to serve as a host during the Super Chic Denver Fashion Week event.

The appearances have allowed Janaye to continue developing her presence within the fashion and pageant industries while representing the Miss US Nation organization across multiple events and markets.

Her progression from a local Long Beach title to the California state crown reflects a growing role within the Miss US Nation pageant system. Janaye is now preparing for the next stage of that journey as she advances toward the national Miss US Nation competition.

Janaye’s earlier selection as Miss California US Nation 2026 was announced following the Miss West Coast US Nation 2026 competition. She joined other regional and state titleholders selected to advance toward the national pageant.

Beyond pageantry, Janaye has also built a growing presence in modeling. Her journey has included runway appearances and fashion-focused events that have provided opportunities to work in different production environments while continuing to represent her state title.

As she moves toward the national competition, Janaye plans to continue participating in pageant, fashion and modeling opportunities while representing California within the Miss US Nation organization.

Supporters can follow Janaye Ashley on Instagram at @janayewonderfullymade for updates on her pageant journey, modeling appearances and upcoming events.

Photo Credit: JEM Studio Productions
Instagram: @jemstudioproductions

About Miss US Nation Pageants

Miss US Nation Pageants is a pageant organization that provides opportunities for titleholders to participate in regional, state and national competitions while gaining experience in modeling, fashion, public appearances and related events.

Media Contact Details
Rachel Marvilli
Email: Send Email