Whether you are looking flip the property or hold on to it, getting a 6 or 12 month fix and flip loan doesn't lock you in for that time.

A cash-out refi isn't really appealing with the rates and I'm locked in at 30 yr, 4.7% currently.

For example I had my slow teenage kids with me and I hadn’t replaced the keycard by checkout time (6 minutes past), although we were out of the property and had locked the door by that time.

You lock in your interest rate and if rates drop you can prepay at any time and refinance at a lower rate without penalty.If the deal is commercial, whether commercial multifamily (5+ units), office, industrial, self storage, hotel, you name it...the choice becomes far more difficult. 

I’m sure the community here has a bunch of insights, so I’d love to hear what you’ve got in mind before you pull the trigger!

I'm not understanding the purpose of wanting to refi.As for the phone calls, look up trigger leads and how to opt out.

Your best bet is to get on the phone, get multiple opinions, multiple quotes, and make decisions on the type of build before pulling the trigger.

Quote from @Locke Tucker: Can you take the loss without completely ruining your finances?

That really isn't good enough in our opinion.Another option for you is if your property is in a realtively safe area, to install a wi-fi connected smart lock.

Converting a traditional IRA to a Roth triggers taxes on the converted amount, so plan accordingly.