Also, under Insights you can see your conversion rate.   

Postcards for example most people hope for 1-3% response rate.

A quick check of new listings results in many listing that seem well below market rates.   

Rates change all the times, but if you had a rate lock, that really doesn't make any sense to me.

Fit buy box of A or B rated school that will appreciate over time.

What would you assess your personal success rate is for 2024? 

If its an attorney closing state same thing ask the attorney or one of their staff.Generally though be care of those reaching out and promising rates that are simply better than current rates thats almost always a fake lender or a bait and switch..

If you budget the negative cash flow over the course of the hold period and have reserves set aside to fill the gap, there is no problem (assuming your investment meets your target appreciation rates - I understand there is no guarantee there). 

Labor is cheaper down there, USD $2.50 per hour, which is normal rate. 

Keeping a 2.99% rate sounds great, but it may be costing you thousands of dollars if you are in the double digits with your other outstanding debts.