Best non-QM rate in 2021?

[Chris Yang]

Greetings!

Anyone recall how were the non-QM loan (DSCR, bank statement, asset-based...etc) rates looking last year when conventional loans were at 2.5%-ish? Was low to mid 3s achievable?

I am trying to get a sense on how low those loans could be when conventional loans at historical low. I am closing a loan with higher rate (4.75%), but thinking whether it's a plausible plan to refi in a few years if Fed lowers rate in the future.

Assuming excellent credit (760+), low LTV (60-70%), primary or investment property, and lots of assets (for example, 2M liquid assets to qualify 600K loan).

Thanks all!