We were about to close on a refi locking in a 2.5% 30 year fixed and pulled the plug at the last minute to switch to the All in One, but the lender pretty much told me why I was making a poor choice, so this is very affirming.

We quote based on the estimated FICO score you provide so if done right with accurately submitted numbers (property income, expenses, taxes) then the actual credit pull on loan app is the only way a rate would differ from the quote and term that is rate locked for underwriting or if the loan app is submitted in a large enough time window in which rates could have changed (we're in a dynamic rate environment so by the day and the week rates fluctuate). 

Can obviously mitigate access to the property by disabling the code if using a smart lock, but other than that, are there any advantages/disadvantages that you've seen?

Just curious if the numbers look right to experienced wholesalers before I lock it in...Let's assume the property is in a healthy market area and that my ARV is correct...

Absolutely insane to lock up your money that long and the best you are hoping for is to break even.

If there is a better way to check rental comps quickly I am all ears though! 

He was out 7 days later, new locks and repairs are underway. $850 was equivalent to his rent.

I'm all ears if someone is willing to share their experience! 

My lender called me this week saying FHA rates have plummeted and can lock me in at 5.6 if I refied.

page=articles_4 (note that the article on credit reports is the second one down the page, below Lock Out Procedures).