Rate locks are an option so you know what is issued in the term sheet is what you can expect the rate to stay for a specified period of time until you close.

Still probably won't pull the trigger---hurricanes can really kill your cash flow for very long periods...but will think about it.  

The cash-out refi necessarily means thousands of dollars in additional expenses - likely setting you back further than you went forward in mortgage pay down during the same time period if refinancing in 1-2 years - but hopefully earning more equity in the meantime (fingers crossed).  

Hello friends,I was able to use an Outlook email to send periodic reminder (laundry list of things) to my tenants.

If you tendered your cashier's check during the 45 day period, that money is gone. if you in the 45 day period, don't walk, run. 1079 is non binding until you stroke that check.Contacting the trustee for help is a waste of time.

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On an average $400,000 home that amounts to $12,000 savings over a 30 year period. 

At the end of the day, if a lender thinks a wave of foreclosures is on the horizon that will decimate real estate values for a period of time, they will not lend.  

I did a bit of research and wondering if the current interest rates, high real estate prices, and weak 12-14 week rental period make it a bad investment.

The only items to really worry about are the slightly higher fees and PPP periods on the loan.