For the 10 year period spanning December 2014-2024, single-family prices in Austin nearly doubled, yielding an annualized appreciation rate of ~9.4% in that period.

For a cash out refi, you are generally limited to 75% LTV and rates right now are in the mid 7s for good credit and a DSCR over 1.0. 

Rates will at some point allow you to refinance.  

Seems like you are doing very well on the appreciation side which is good.All the best!

When it comes to managing your mortgage, most homeowners are familiar with refinancing as a way to lower monthly payments or take advantage of better interest rates.

Interest rates have been rising, and economic uncertainty is making a lot of people hesitate.

No fee's when I access rate is a tad higher.

You would need to some your research and decide which route suits you best. 

However, rates have since moved upward.A 30-year fixed rate mortgage is once again sitting around 7% interest:For broader context, here’s a chart for 30-year fixed mortgage rates over the past 5 years:The real estate industry hoped 2024 would see a recovery in which mortgage rates fell and home sales climbed.

Many, but not ALL are only focused on the commissions he/ she will earn and not focused, on your best interests.