Market condition index · Current read
Broad real-estate stress composite measuring delinquency pressure, credit tightening, rate shocks, and macro deterioration across both residential and commercial real estate. Rising RMSI = more stress; falling RMSI = normalizing. Sprint 10B: RMSI is now positioned as the broad RE stress backdrop — it captures both residential (mortgage delinquencies) and CRE (commercial delinquencies) stress. For CRE-specific financing stress, see CRFS. For housing affordability, see HAFP. RMSI is the "are things getting worse?" measure; CRFS and HAFP diagnose WHY.
7.8 points above the 50-normal line. This locates the selected condition; it is not a forecast. From one official close publication; stale selected read.
Official closes earn richer presentation. The selected current read is never spliced into certified history.
One point is not a trend and is never connected to the current read.
Only exact governed relationships are navigable. Shared tickers and price moves never create a link.
No Basket, Narrative, or Asset context is inferred from inputs, tickers, price moves, or static “related” lists.
Declared weights explain construction. They do not claim today's contribution or causal impact.
| Input | Source | Formula role | Weight | Cadence |
|---|---|---|---|---|
| MORTGAGE30US | fred | Macro · positive | 15% | Weekly |
| DGS10 | fred | Macro · positive | 12% | Daily |
| HYG | polygon |
Informational only — not investment advice. MarketSchema is not a registered investment adviser. Condition Percentile reads and indexes are quantitative measurements derived from public market data, not recommendations to buy or sell any security.
| Price · inverse |
| 13% |
| Intraday |
| VIX | cboe_polygon | Price · positive | 12% | Intraday |
| XHB | polygon | Price · inverse | 14.0% | Intraday |
| REZ | polygon | Price · inverse | 9% | Intraday |
| NLY | polygon | Price · inverse | 5% | Intraday |
| AGNC | polygon | Price · inverse | 5% | Intraday |
| DRCRELEXFACBS | fred | Macro · positive | 8% | Quarterly |
| HOUST | fred | Macro · inverse | 7.0% | Monthly |