If anyone has any comments or advice I’m all ears!

As long as you can borrow below 6%, you should be trying to lock in as much debt as possible.

@Reagen Natho Why would it be 1k to change locks ? 

Disclaimer: I've done this exactly once.Here are some things I did in the last few days of renting out my single-family house.Go around to all the rooms and make sure everything works - doors open and shut, windows open, shut, and lock, mini-blinds (if any) are securely mounted and work, curtain rods (if any) are securely mounted, closet rods are securely installed, none of the light bulbs are burned out, etc. 

So I have $20,000 in the bank locked in a GIS account for one year.

@Derrick Locke I have a list of lenders that I use.

I was planning to refinance into another conventional mortgage from my current duplex to lock into the low rates, and also pull cash out to pay off the rehab that I did in the duplex. 

You should change the locks.

The L2O will lock me in though, wont it?

You never know when you need a set of ears to bounce something off of, or maybe a partner or JV.