The cheapest 30-year refinance rates range from 6.88% to 7.02% in states like New York and California, while the highest rates, between 7.08% and 7.11%, are in states like West Virginia and Oregon. National average rates dropped slightly to 7.05%, still above the six-week low of 7.04%. Rates vary due to lender differences, credit scores, loan sizes, and regulations. Mortgage rates are influenced by bond markets, Federal Reserve policies, and lender competition.

Commercial real estate investing involves purchasing income-producing properties like offices, retail spaces, warehouses, and multifamily units. It offers benefits such as higher income potential, stable leases, tax advantages, and less competition than residential real estate. Investment methods include direct ownership, REITs, and crowdfunding. Risks include tenant defaults, market volatility, inflation, and low liquidity. Success depends on strategy, market research, financial metrics, and ongoing management.