I get my increase sooner and lock them in for a fresh 12 month period. 

Just have the key locked up somewhere with a combination.

From a bookkeeping standpoint, this makes everything a lot easier as long as each financial account is used the way it is supposed to be used (no commingling).I would just caution you to think about the functionality of that structure within your day-to-day business operations before pulling the trigger on it.Make sure you're keeping things as simple and efficient as possible.

You'd need to look at how much this loan would cost you, how long it would take to recoup those costs...if you lock yourself in with a 5 year PPP and rates drop in 2 years, you're going to end up having to pay a hefty fee if rates drop and you decide to refinance.

However, given the recent rise in interest rates, if you're locked in at a 3% rate and the market is now at 7.5%, there's a possibility that the bank might call your loan if you've violated the loan covenants.

People gets locked inside factories in China to prevent thefts like they did  here in the US in the 1910s.Please keep in mind IF we all support oligopolies, the download/streaming business can end up like the internet server provider/cable business, where you and I have no real choice anymore.

NC is a trustee state, so a mortgage default will trigger the "power of sale" process as spelled out in the recorded Deed of Trust.

Are you aware of any online forums for people who are severely allergic to animals and who want to find a vacation rental that is less likely to trigger their allergic reactions? 

I'm a foreign national so my cash outs are capped at 60-65% LTV so even though I got great deals I still reached a point where my capital is now locked into these rentals.

Rather than call and inform me they were going to trigger the default rate (5 basis points higher), I learned through a mailing.