Is this good rate: 3.5% with paying 2.5 pts

[Lucy Smi]

Is this a good 30 year rate to lock for 60 days?

Amount: $210k, 25% down on a 2-unit mfh.

3.5% and paying 2.5 points

The lender doesn’t allow wrapping the closing costs and points into the loan. I was a bit surprised.

[Justin Tahilramani]

No, sounds terrible to me. You should be in the low 4's with 0 points.