Good Interest Rate In Seattle

[Schuyler Cadwalader]

Hi All, my name is Schuyler and I'm a VERY excited rookie, glad to have found this amazing site! 

So my wife and I bought a house here in Seattle almost a year ago and are thinking that in 5 years or so maybe we can use it as a rental property. I've been crunching some numbers and it's not looking great for positive cash flow, and we're already paying an additional $500/month on the principal. Besides paying even more on the principal for the next several years, the only way to make this idea work is to get a lower interest rate.

Right now our interest rate is 4.125%. We have good incomes and good credit (my wife is a doctor, which I hear banks like...). Is it worth shopping our mortgage around to other banks to see if we can do better or is that pretty competitive right now? Again, HUGE rookie over here...

Thanks in advance everyone, looking forward to getting to know more of you. 

Schuyler.