Should I sell mortgage points right now?

[Ryan Sun]

Based on my understanding, purchasing points typically necessitates holding the mortgage for 5-6 years to reach the break-even point. Given the current scenario, there's a high probability that mortgage rates may decrease within the initial 2 years. Would it be advisable to sell the points, receive closing credits, and subsequently refinance when the rates drop?

[Caroline Gerardo]

Problem is:

Lenders are not offering non owner occupied loans with no points today due to losses. You can't actually "sell the points" you pay for them as rate concessions. There are no loan programs with negative points to use as concessions