The interest rate would be locked in at 6.875% with first year at 4.875% and so forth.

Nice user interface, simple to set up, free door lock automation.We migrated to OwnerRez because we wanted a direct booking site and security deposits. 

(COVID locked us down for nearly the first 2 years).

.- Most cities do NOT care if an owner lives in basement, but will not allow a tenant to unless baement has legal egress window.3) Check local statutes if any limitations on how many unrelated roommates are allowed.4) Check with local building dept to see if rental inspections and corresponding requirements.5) Local statutes allow locks on bedroom doors?

, we are not able to do keycode locks there. 

They replaced the locks, shoveled the driveway, took photos, and are listing it today.

They have their own payment platform (you could use Stripe... or GuestyPay), they have their own dynamic pricing (you could use PriceLabs... or GuestyPricing), they have their own smart locks (you could use RemoteLock... or GuestyLocks), etc. 

I've heard of people being able to lock their HELOC rates after opening the line of equity. 

No additional locks shall be placed on doors or windows.

Refinancing next year would likely allow you to lock in a potentially lower rate than the 8% you're currently at, especially if the market conditions continue to favor lower rates.Avoid Duplicate Fees: You're right in thinking about avoiding duplicate fees for the refinance and HELOC.