First and foremost, as you're changing out the locks on the doors, install doorbell cameras on the exterior to cover entrances in/out of the property.  

Does it render the lock unusable?

That locks up the equity.  

Are you more inclined to speculate that rates will fall lower (they should, I think they are likely to, but they may not) and you can refi, or would you rather pay a fee/premium to lock in where you're at now and hedge your risk of not being able to refi into a lower rate?

So, the family member is pocketing cash and guaranteeing a stable cost of living for themselves basically locking in their future at a time when values are high.

If i decide yes, how can i lock myself down in addition to security systems, cameras, legal self defense, and anti-theft door/window stoppers?

After much back and forth, ShowMojo finally returned and stated they would not fix their broken product as they would focus on their lock offer.

Can anyone recommend a reliable home inspector in Wickliffe KY?

Have assignment contract ready to sign but need to lock up funding first.

I wish you luck in your hunt, and it will surely help to have a reliable local acquaintance act as your eyes and ears on the ground.Feel free to reach out directly if you have any other questions/just want to discuss!