Rates are rates? Wdym relative to? Is the new rate higher or lower than what you're currently on?
If you think Bitcoin is going down, keep the cash in a HYSA till you're comfortable buying or DCA.
What closing costs are you facing? Will it be prohibitive to refinance again when rates are lower?
Couldn't you do a HELOC now, and refinance later?
From my POV, you're not making a lot of sense, hence the questions.
