Refi Deal Review

[John J.]

I'm looking to refi a loan on my rental property. There are a lot of red flags but the numbers seem to be better. My goal is to hold the property for at least 10 years and I've had it for 7 already.

Here are the numbers
current 30 yr fixed 5.875 with 23 months to go
balance 75,392
payment is 487 117 principal 369 interest.
10 year remaining balance would be 56,555

New loan
30 yr fixed 3.99 int rate
starting balance of 83,000 (high due to points& closing costs wrapped in loan)
payment of 395 119 principal 276 interest
10 year balance of 51,554

The numbers aren't great but I would save $94 a month
and walk away with $5000 more in equity in 10 years.
My only upfront cost is $500.

Its thru quicken loans, am I being ripped off, I also found out my loan is eligible for harp 2.0 so should I continue my search? I've tried one other broker but he basically said it wasn't worth it. Any thoughts? Should I shop around more, my credit & ratios are all excellent.
Thanks