Creating read only fields on Service Request: with BC read only user property (creator edit ability)

Trying to figure out why I have to save record, then re-query for record to get ability to enter data on record with User property and field assignments for read only values. 

BC Fields:

Calc Locked Flag Read Only      : IIF([Calc LogIn]='N', 'Y', 'N')  [calculated value]

Calc LogIn                                  :  IIF([CreatedBy]= LoginId(),'Y','N') [Calculated value]

CreatedBy                                    : CREATED_BY [column]         ..... I think i just figured it out.  I have to save it to database for calculated field to do the compare.

User properties:

Field Read Only Field: Account          : Calc Locked Flag Read Only [Account field for example]

Will go ahead and post this in case someone else can use this.