insight would be nice.details:We live in california and the home is Florida at$115,000Its a conventional loan with 20% down at 4.125% interest

Conventional loan How did you add value to the deal?

Do I apply for financing with lenders for conventional and see if I can qualify (another hard ding on my credit) or do I go straight to Hard money lending/ seller financing. 

When buying turnkey/tiny fixers, I just finance with conventional loan of 20% down.

Had money saved for down payment, then conventional loan.

Mortgage rates have fully decoupled from the t-note, from the fed, from the S&P, from all of these other random indexes that do not require mortgage professionals to stay where they are.This is what is going on --> https://www.biggerpockets.com/forums/49-private-conventional-lending-discussion/topics/815627-the-i-must-think-about-refinancing-crew-missed-out-nah?

Conventional Loan How did you add value to the deal?

I bought it with conventional loan with 3.5 % downpayment.

@Giulia Mylla there are 5% down conventional options for multi family depending on your income earnings.

I am refinancing my first investment property and will appreciate if someone can tell me if I am getting a good rate or what rate should I get -Property Type - Single FamilyLoan Amount - $150kLoan Type - Conventional 30 yearsInterest Rate - 3.875%APR - 4.103%Discount Points - 1.792%Discount Amount - $2688.00