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

Properly repaired, you should see no value decrease.

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

I have found people willing to owner finance their house to me at a lower interest rate.

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..

Places like San Antonio might present more favorable cap rates, from what I read in Forbes recently.Refinancing could free up equity if today’s loan terms are more attrative, though that depends on current interest rates and the property’s updated value.

Louis Fed shows the delinquency rate on residential single-family mortgages, and proves there's a way to spin this data to show that delinquencies are increasing rapidly.

You'll either have a higher rate for no prepay, or it will cost you points at closing.

Sounds like if I stay conventional then my best rates will no doubt be the 25% down options.