Unfortunately I have the same issue with the Ford OEM hard trifold. I can’t complete the last fold against the cab. When the racks are in the lowest setting. I resolved the issue with a partial solution for the few times I needed full bed access. I fold the cover against the racks as far as they will go and then attach the cleat/buckles and pull them as tight as possible. I wouldn’t suggest this for a long ride in a highway but it has worked okay for a few short trips where I needed. I attached pics showing where my cover hits the rack, and then my partial solution. You could also drill new holes for a custom height as in this other post from today -Does the 3rd fold (upright against cab window) clear the front rack when in the lower position? I just installed my MX4 with these racks, and the MX4 can't completely fold open... it's about an inch too tall.
https://www.mavericktruckclub.com/forum/threads/tonneaus-with-rack-rails.22138/post-419198
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