Refinance Questions help

[Jeff Dippel]

Hey all I had a question. So I currently owe $375k on my condo. I have a 3.375 30 year fixed rate. I called my lender about refinancing and they said I could refinance to a 2.8% interest rate IF I added some points on to my mortgage. The cost of those points would be 10k added to my loan, but by refinancing at this rate I would save $160 a month and a lot more in interest down the road once the initial 10k they charged is paid off. Is this a no brainer to refinance or is there something hidden here I’m unaware of? currently if I rent this place out with piti and hoa dues id be losing about $100 a month, so it’s tempting to refinance to a lower payment since this will be a full time rental soon and it’d be nice to cash flow a bit. Any suggestions?!