My property manager says that we are already getting the best rates for our area.

Sorry for the bad news.At any rate, how to care for yourself.

She could have bought a second home as a rental, but with interest rates at 5%-she'd make more money keeping her money in the bank and not have to deal with tenants, so that is what she did.

Specifically, the areas near Wake Forest Medical School and Wake Forest Baptist Medical Center have attracted investors, as students are seeking rentals during residency.Favorable Tax Laws:  North Carolina boasts relatively low tax rates compared to many other states, with property taxes averaging at 0.70%, which is below the national average.

Hello,I live in a pretty hot market, with very low vacancy rates and high property demand. 

LOL.There’s a WORSE WAY and a BEST WAY to try to obtain items 1-4 aboveBEST WAY: College or Professional Association courses in real estate (real estate license course as a base) and work experience for a REIT or other professional real estate organization and capital saved or equity raised from private parties with a MODERATE amount of debt leverage and or utilizing creative financing with low interest rate debt (may be highly leverage)WORSE WAY; Any guru courses or mentorship’s combine with high interest debt. 

One of the inherent risks of new builds is locking in an interest rate.

Current mortgage rates aren't helping. still hopping to find a way!!!

@Kyle Allen Your savings and savings rate are commendable and a great start to long term wealth. 

I'd use USPS Bulk Mail Services - they offer lower rates than first-class mail for sending large volumes.