I was also getting credit card balance transfer offers at 0% promotional rates for a year to a year and a half and I started transferring my HELOC balances to the promotional credit cards.

@Eli Fazzo The 6% rate is a bit of a misnomer. 

- Each Housing Commission sets their own rent rates, based upon market rents for Class C properties in their area.You should be able to find an online list of S8 rents per bedroom for your area.

In my experience, tenants that remain in place for 5+ years are almost always behind market rates.

As rates have gone up we tightened my sold comps.

You can shop 10 or 20 lenders in a weeks time, find out what products they offer, what rates, what overlays and qualifications they each have for you.... 

Was going for the best cost-of funds (lower rate)

But the real test of this company's character came with the most recent loan I tried to close with them.First, I thought the loan rate was locked, and it was not.

What's your current rate and what rate are you aiming for?

Yes quite a few of our 5,000 options have rate and term or purchase!