I really enjoyed the book.

The challenges include - Interest rates - that are as high as they have been in 20 years; property values - which have doubled and tripled in the past 3-5 years.  

-will I be able to keep my interest rates?

Your tenants are entitled to quiet enjoyment and from the sounds of it, they are violating the lease. 

The math behind is like this 175k loan is roughly mortgage payment of 1408 per month ( This is with 9% interest rate, DSCR tend to be 1-2% higher ) + insurance and Taxes.

I could only get 1 DSCR lender to do 1 of my SF properties due to the low ARV, the fees and interest rate are absolutely not worth it.Are you bundling properties together when refinancing? 

They mentioned that the rate will be higher if locked for 5-6 months.

Verify the interest rates and terms of the existing loans, as favorable rates can be beneficial, while higher rates might prompt you to consider refinancing later.Assess the condition of the properties thoroughly, especially since the owner is "done with them," which might indicate deferred maintenance.

So east side sales comp is much better than the west side (because of crime rates).

@Imdhadur RahmanBest I’ve seen is 15% down, and you pay more in rate as a result of the down payment.