School and city bond measures pass quietly.

Anyone w/o a current lease, put them on your lease hopefully it has more teeth.

Pros use commercial coatings that bond better, but even then it’s not a forever fix.3.

Simply put, more buyers for the bonds = lower rates.

Jordan Peterson comes to mind: If you are showing your teeth, you may never have to bite. 

As easy as this sounds, it's not simple and usually like pulling teeth.

There are lots of restrictions on who CANNOT be your QI; but there is no license, no bonding, or other restrictions. 

What you'll see though is the bond markets (which control mortgage rates) are influenced heavily by inflation expectations. 

You can borrow up to 50k or 50% from these plans WHICH ever is lower- Cash value life/permanent insurance policies - these are 5-6% roughly for policy loans at the moment if you have a life policy you could consider accessing your cash value for a policy loan to fund your down payment or use the cash value within your policy as cash reserves- stocks/bonds/portfolio - you can typically use 70% of the balance as reserves or borrow a SBLOC (securities backed line of credit) on your stock porfolio at certain brokerages to access a line against the value of your stocks typically brokerages will give you 30-50%, sometimes 60% of your stocks depending on your Beta or risk of your portfolio (lower risk stocks will get higher LTV % and lower rate and vice versa high risk stocks you'll get less LTV on your line and higher rate).Hopefully that is enough ideas to jump start the mortgage planning on capital sources but you can plan ahead with these.

That’s normal in appreciating/coastal markets.Paying off the mortgage is basically buying a bond at 4.375%.When you pay off $265K at 4.375%, you’re getting a guaranteed return equal to the interest you’re no longer paying, plus the cashflow jump you mentioned.