Haha, spreadsheets...they're great until reality kicks in, right? I hear you on refinancing being a bit of a gamble. Honestly, I've seen people get so...

Couldn't agree more with this. I've seen plenty of folks buy land hoping for a quick turnaround, only to find themselves playing the waiting game way ...

I'm leaning towards locking in now, honestly. Yeah, rates might dip again slightly, but from experience, trying to time the market perfectly is a bit ...