For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).

Interest rates don't help, but investors were also successful in the 80s and 90s with rates in this range. 

I will say that during that time, the HELOC interest rates were very low.  

I’m looking to pull equity from a property, but I have a great interest rate that I don’t want to lose.

I agree, it could be possible but I have yet to see a deal that really works when the borrower is borrowing 100% financing on a deal as the lender is going to have much higher rates and default rates.

Focus on areas near job hubs and good schools, as they attract reliable tenants.

With rates and lending terms constantly changing, I’d love to hear from those who have recently closed or explored a blanket loan.Which lenders are offering solid terms right now?

Do you look up competitor rates?

My two cents: get a job and HUSTLE right out of school and create some income and save up some capital.

Just like the asking price, just because the owner suggests one interest rate or term doesn't mean you can't offer something different.