Does the prepayment have to be determined before the lender locks in a rate, or is this something that can be negotiated afterwards.

These home value increases(in high prop tax states) and insurance increases is not causing a real cliff like price change to the absolute mortgage cost, but it's definitely creating an uneasy feeling to alot of people who have locked in low rates and are seeing massive YoY changes in their monthly amount.

After 4 doors under my belt I’m comfortable making offers over asking to lock a cash flowing deal in.

We have about 7 months until the the rate lock payments start to kick in and the project is supposed to be complete.  

Nope says the driver with a lock and chain in is hand.

Because I live in the stupid litigious state of California and I don't want my house locked in probate if something should happen to myself and my wife.

. - Day of, change locks. 

A reduction in interest rates might not only boost homebuying activity but also trigger a wave of refinancing as homeowners look to lock in lower rates.4.

The PM should have had a key to the unit, but again, that might not be the PM's fault if the tenant changed the locks against the provisions of the lease.How is it that you consider the tenant to be "judgement proof"?

You can also just do a cash out refinance and prior to locking the rate use some equity to buy the rate down to where the loan cash flows the best.